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And once you are approved, the loans money can be transferred into your bank account in just a few hours or days. Credit card issuers typically have less stringent eligibility requirements than payday lenders, and the online borrower's credit score is not typically a factor in their approval.

To avoid these pitfalls, it is important for borrowers to carefully manage their credit line and only borrow what they can afford to pay back. It's important to note that payday loans can be very expensive and should only be used as a last resort.

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