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- New credit (10%): Lenders are on the lookout for a lot of new loan applications in a short period. That's viewed as posing a greater risk and will lower a credit score. >> Apply For A Low Cost Personal Loan Here Every once in a while, life throws us a curveball. Some people lose their jobs suddenly and have no savings to rely on. Others might be faced with the breakdown of their car and have no way to get to work. Many people might be short on bills, or have nothing leftover to buy groceries until their next paycheck arrives. These difficulties can be disastrous, especially if we do not have the finances on hand to cover the costs. People who need money immediately might turn to payday loans. These types of loans have been around for a long time, but recently a new trend in online payday loans has emerged. Using these services, people in need are able to get immediate cash advances to help them quickly and conveniently solve their problems. The internet makes it fast and easy to solve these problems, to an extent we have never seen before.