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An average rate from a bank would only be about 12%. What if I can't repay my Payday Loan on time? If your check bounces, the lender can add a $15 fee to the loan. A loan is considered overdue when it has not been paid 10 days past the due date. The fees will continue to build up until the entire amount owed is paid.

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Jul 17, 2017 The majority of borrowers can't pay the loan back in that short amount of time and will have to roll over their loans many times over, which piles on the fees, making it even more difficult to pay off, trapping the borrower in a cycle of growing debt. Because they're annualized, the percentage rates on payday