You might have been tempted by one of the many ads for check advance or payday loans.
You have probably heard them called deferred deposit checks, cash advance loans, payday loans, or post-dated check loans. Whatever they are called, these loans always share certain features. They are all for a short term (usually 14 days), for a small amount (maximum $500), and have a high service fee. They are the most expensive type of loan available and should be used only as a last option.
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