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Additionally, carrying a high balance can damage the loans borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts. For example, if the loans borrower has a credit limit of $10,000 but only borrows $1,000, they will only pay interest on the $1,000 that they borrowed. Check out reviews and compare terms and fees from several different lenders before you decide which one to use.

Payday loans are short-term loans that are typically due on your next payday. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates.