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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. Borrowers should make sure they understand the ca interest rate, fees, and repayment schedule, and ensure that they can afford the monthly payments.

Here are a few:. If you're considering a payday loan, make sure you understand the bad terms and conditions and can afford to pay it back before you accept the loan. Using a secured credit card responsibly can help you build or rebuild your credit.