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Millions of Americans, especially those with low-incomes, use alternative financial sector (AFS) loans—such as payday loans, car title loans, and refund anticipation loans—to meet their short‐term needs. These loans often start out small but can add up to significant debt burdens and can undermine a family's ability to build 

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Payday loans represent one of the highest-cost forms of credit available, interest charges range from £15 to £35 per £100 borrowed for 30 days, equivalent to between have based their estimate of the size of the UK payday lending market of £2.0bn to £2.2bn on 'initial loans' only. .. statistics for the 'big three' lenders for.