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Disclaimer: I've never used a payday loan. That's right, I'm going to opine about something I've never used. However, I think it's okay in this case because loan terms are something that are fairly transparent so one can see the pros and cons without actually trying. Disclaimers aside, I think these types of quick loans have their place but should only be used when absolutely necessary. If you are using them and not in bad shape financially, then odds are you are simply not managing ...
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