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Avoid payday loans
Payday loan lenders are, basically, legalised loan sharks. They will give you a short term loan in a matter of minutes, but in return charge you an astronomical interest rate, far higher than anything you have ever encountered. We are talking about 200-300% interest. Sometimes even more.
Needless to say, due to high interest, once you get caught in this vicious circle of payday loans, it becomes almost impossible to get out of it.