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These loans often have faster turnaround times and more flexible eligibility requirements than traditional loans, making them a good option for those who have less-than-perfect credit or live in a rural area. Using a secured credit card responsibly can help you build or rebuild your credit.

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If you're considering a payday loan, make sure you understand the credit terms and conditions and can afford to pay it back before you accept the loan. This can result in the online cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly.

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