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It's important to note that payday loans can be very expensive and should only be used as a last resort. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders.

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It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation. One of the big main features of a revolving credit line is that the borrower only pays interest on the amount of money that they actually borrow.