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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the md APR on a credit card cash advance is typically around 25% or higher.

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