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Ask your creditors for more time. Find out what they charge for late payments, finance charges or interest rates since it may be lower than what you might end up paying for a payday loan. Work with a community development credit union or a non-profit financial cooperative, which may provide affordable small-dollar loans to 

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Payday loans, also known as a payday advance or emergency cash loan, are short term loans that provide a small amount of money that is typically repaid on the borrower's next pay date. Many lenders offer payday loans online, in stores and by phone. Let us take you through the process of each type of loan.