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Use credit cards sparingly and do not overextend your line of credit. Typically, payday loans range from $100 to $1,000, depending on the stateâs legal maximum or limits set by the lender. Terms on payday loans are short, with a maturity of about two weeks. Financial charges of payday loans are often fixed amounts, ranging from $5 to $10 on every $100 borrowed. When expressed as an annual percentage rate (APR), financial charges on loans can translate into interest rates of up to 400% APR. Step 2: Review Your Loan Approvals
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