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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 ks APR on a credit card cash advance is typically around 25% or higher. Additionally, cash advances on credit cards do not have a grace period, which means that interest begins accruing on the near borrowed amount as soon as it is withdrawn. Payday lenders, on the ks other hand, often require the borrower to have a certain credit score and may also require proof of income and employment.

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