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After you apply, you'll usually find out if you're approved within a few minutes. To get a loan from a bank, the nc borrower must first apply for the loan and provide the bank with information about their financial situation and credit history. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.

Credit lines for unbanked people. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the loans APR on a credit card cash advance is typically around 25% or higher.