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These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. Don't max out your credit cards or take on more debt than you can handle. One of the in main benefits is the potential for a lower interest rate, which can result in lower monthly payments and save the borrower money over the life of the loan.

Use credit wisely: If you do have credit, use it responsibly. It's important to note that payday loans can be very expensive and should only be used as a last resort.

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