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Lower interest rate. You get a lower annual percentage rate by providing approved collateral (such as a Wells Fargo CD) to secure your loan. Anticipating disaster is way too hard to do. You never know when a same day loan will be necessary to save the day, but you can know that whenever the need is present, a loan is waiting for you in no time at all. In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times - you may still be approved for a payday loan even if you have bad credit or a past bankruptcy. Bad credit** is OK;
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There are some restrictions on who can take out a loan. The minimum age is 18 and to make sure you pay back the loan you must be in at least part-time employment. Currently we only offer short-term cash to those within the UK, but this may change in the future. If you meet this criteria then you will be able to borrow up to 1000 pounds, however some of our lenders have restrictions on the first loan you take out. Find out if you have — or if your bank will offer you — overdraft protection on your checking account. If you are using most or all the funds in your account regularly and you make a mistake in your account records, overdraft protection can help protect you from further credit problems. Find out the terms of the overdraft protection available to you — both what it costs and what it covers. Some banks offer “bounce protection,” which may cover individual overdrafts from checks or electronic withdrawals, generally for a fee. It can be costly, and may not guarantee that the bank automatically will pay the overdraft. Visit Credit Unions
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