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Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. These might seem like a good idea because they come to you, but they can actually be risky.

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You may be able to access the fairton funds as soon as the next business day. This can make a revolving credit line a more cost-effective option than a traditional loan, where the online borrower pays interest on the entire loan amount regardless of whether they use all of the money. The lender will hold onto the online loan funds until the loan is paid off, at which point the funds are released to the borrower.