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A Loan you can pay back over time discounts up to 50 percent Another type of installment loan is the car title loan, which allows you to get the required amount by using your car as collateral. Like payday loans, these loans are easy to obtain and can be used to meet short-term financial needs. The loan amount depends on your requirement, eligibility and the value of your car. It can be obtained in as little as 30 minutes from an online lender. If you have other verifiable sources of income, you are encouraged to list them also. An important note: Active-duty members of any branch of the U.S. Military are not allowed to apply for a payday cash loan.
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In Canada, there have been legal cases against payday loan firms. On August 14, 2006, the Supreme Court of British Columbia issued its decision in a class action lawsuit against A OK Payday Loans. A OK charged its customers 21% interest, as well as an administration fee of $9.50 for every $50.00 borrowed. In addition a deferral fee of $25.00 for every $100.00 was charged if a customer wanted to delay payment. The judge ruled that the processing and deferral fees were interest, and that A OK was charging its customers a criminal rate of interest. The payout as a result of this decision is expected to be several million dollars. The British Columbia Court of Appeal unanimously affirmed this decision. This demonstrates that payday loan companies need to operate carefully as provincial governments are trying to crack down on them across the country. Are there any private companies and financial institutes that offer student loans to those with bad credit? However, no matter how in need of cash you may seem to be, you must still proceed with caution when you choose your lending company. The internet can take you to so many websites offering these loans, but only to find out they are scams and they are only after your payday money. It is still advisable to consult a financial consultant. He or she may provide a list of legitimate lending companies.
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