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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. Instead, try to pay your balances in full each month and only charge what you can afford to pay off. Using a secured credit card responsibly can help you build or rebuild your credit.
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If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. For example, many online lenders do not require a minimum credit score or collateral.