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Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments.

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Gather the credit required information: Most payday loan lenders will require you to provide some basic personal and financial information in order to apply for a loan. A secured revolving credit line is one that is secured by collateral, such as a car or a house.