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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. Credit card issuers typically have less stringent eligibility requirements than payday lenders, and the loans borrower's credit score is not typically a factor in their approval. 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.

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