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Payday loans have become a widespread form of credit for many consumers facing unexpected expenses or cash flow shortages. These short-term loans, often marketed as immediate fixes for urgent financial needs, can be tempting due to their accessibility and speed. However, grasping the statistics behind payday loan usage reveals a more intricate picture about their impact on personal finances and borrowing patterns. In the past several years, the rise of payday loans online has made these loan services even more reachable for c
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