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Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution.

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If the company is offering true payday loans that need to be paid back in one lump sum with costs above 17% APR, it’s not legit. Payday loans are prohibited in Arkansas. You could look for a few things in a company to determine if it’s reputable.

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