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Mar 16, 2017 5. Get a credit union payday alternative loan. Credit unions often offer small, cheap loans called payday alternative loans (PALs). You will likely have to be a member for at least a month to get a payday alternative loan. But these loans can be an effective way to pay off an existing payday loan and replace it 

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Feb 13, 2014 Because the borrowers roll over their old loans, or pay back the first loan and immediately take out another, the advocates argue, they get trapped in a cycle of debt, repaying much more than they borrowed. Those who own and manage payday-loan shops stand by the products they sell, maintaining that