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The actuality is always that most of these borrowers cannot repay on time and so they are forced to pay the interest and take out another loan to hide the principle. And they pay dearly for this. The average borrower in South Carolina takes 10-15 loans to payoff their original loan amount.

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All a buyer has to get a payday loan is an open bank account in relatively good standing, a steady source of earnings, and identification. Banks don't conduct a full credit check or raise inquiries to figure out in case a borrower can afford to reimburse the loan.

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