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Payday loans are short-term loans that are typically due on your next payday. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the credit APR on a credit card cash advance is typically around 25% or higher.

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One of the marcellus main advantages of obtaining a loan from a bank is the potential for a competitive interest rate. If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. Check out reviews and compare terms and fees from several different lenders before you decide which one to use.