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If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. Gather the mesa required information: Most payday loan lenders will require you to provide some basic personal and financial information in order to apply for a loan. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the loans APR on a credit card cash advance is typically around 25% or higher.

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