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Overall, getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. Payday lenders, on the loans other hand, often require the borrower to have a certain credit score and may also require proof of income and employment.

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