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They\'re unfounded myths easily used by anti payday lenders to make people deny themselves of an chance to find solution to their immediate financial need. Payday loan are meant for working class people that need a lifeline before the next pay check. It is a 14 days short term loan, which cannot accumulate the high quoted APR of 391%.

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The amount of money approved for an applicant depends on a percentage of his earning. A recipient is expected to be able to pay off the loan plus fees, and still can pay for to tide over till the next pay day.

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