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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. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.

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Just be sure to do your research and carefully consider the loans terms and conditions of any loan before you agree to it. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments.