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The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. But with an online loan, you might not need a perfect credit score or collateral to be approved.

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The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. Payday loans are short-term loans that are typically due on your next payday.