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Payday loans might be more expensive for borrowers who may have no other options for covering taxes or another government fees.

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Some lenders may report payday cash advances to credit bureaus, potentially damaging the borrower's credit rating and so that it is more difficult to access credit later on.

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Some lenders may offer pay day loans with no credit check needed or minimal documentation, which can make sure they are particularly attractive to people that are in a hurry to have cash.

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Borrowers who will be considering a pay day loan should carefully review the terms and conditions of the borrowed funds, including any hidden fees or charges.

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Debt consolidation involves combining multiple debts in a single, more manageable loan which has a lower interest rate plus more favorable repayment terms.

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Some payday lenders may require borrowers to supply personal information, for example their ssn or bank-account information, in order to approve the borrowed funds.

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