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  We recognize a personal loan is a private matter. Reasons for needing money range from critical automobile maintenance, unexpected medical expenses, much needed family vacation, basic home improvements, etc.

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  Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the payday APR on a credit card cash advance is typically around 25% or higher. This means that people with less-than-perfect credit or those who do not own a home or car may still be able to qualify for an online loan.