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Payday loans are loans borrowers promise to repay from their next paycheck or salary deposit. What are payday loans and how do they work? Each year, about 12 million people in the United States in need of quick access to cash take out payday loans, often spending billions on principal, interest, and fees. Payday 

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Therefore credit products which do not offer quick access to the funds are less likely to be seen by customers as a valid alternative to payday loans. Below we first describe the characteristics of payday loans and then compare and contrast these with the characteristics of other credit products. 8. As described in our working