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Some states like Sc have placed limits about the fee amount allowed. Sc law limits this fee to 15% of the loan amount borrowed. If you were to look at this in a yearly APR it would be 390% interest. 
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These plans do carry high rates with them and shouldn’t be removed as a general practice as this can lead to finance unsteadiness. Pay-day loans are essential in helping American citizens with short term money flow issues and lending a quick sell when they actually need it.
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