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Payday loans grant you access to emergency funds that can help you deal with debts that pile up due to unexpected incidents.
The Bureau uses the term “default” to refer to borrowers who do not repay their loans, or who repay only after the loan has been charged off by the lender.
Keep in mind, short term rates are higher but with a shorter repayment time period, the overall interest you will pay may be lower than what you would pay with long term financing.
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