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Apr 5, 2018 Some payday loans are structured as if to pay them off in a lump sum payment, but there are also interest-only payments. Although people usually seek payday loans as a quick-fix to an emergency, they can get hooked on the instant gratification the loan offers and get caught up in a cycle of relying on 

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What is a payday loan or cash advance loan? A payday loan or a cash advance loan is a loan for a short time. You pay a fee to borrow the money, even if it is for a week or two. A payday loan or cash advance loan can be very expensive. Before you get one of these loans, consider other ways to borrow.