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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. Check out reviews and compare terms and fees from several different lenders before you decide which one to use.

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The bank will then review this information to determine whether the naruna borrower is eligible for the loan and, if so, how much they can borrow and at what interest rate. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. Learn more about managing your credit and improving your credit score.

Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the bad APR on a credit card cash advance is typically around 25% or higher. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.