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*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $800) * (365 days / 14 days) x 100 = 130.36 percent High End Calculation: ($80 / $800) * (365 days / 14 days) x 100 = 260.71 percent APR is not to be confused with the actual amount of interest charged. Here are some things that you should prepare if you want to take out a payday loan:
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