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You may find that the annual percentage rate or APR charged on the same day cash loan differs from state to state. But you donât need to worry about that. Even they are varying, but are constantly monitored by the legislation of the country and as a result, no lender can charge exorbitant APR. This sort of financial help will possibly assist or harm consumers more. Know Your Score Before You Apply Get your free Credit Report Card and see what the banks will see before you apply. See your credit score & learn ways to improve it. It's free & updated every 30 days.