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These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation.

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It is important for borrowers to carefully consider their options and choose the bad loan product that best meets their needs and financial situation. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.