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This is because cash advance loans are for higher risk borrowers with bad credit that need short term loans fast.
The loan amount you are eligible for will vary depending on your unique situation which includes your personal eligibility and your state laws. If you are approved for a loan interest rate information will be made available for you to review BEFORE you accept the loan. A loan will NOT be issued to you unless you accept the interest rate and repayment terms.
The Truth in Lending Act requires all loan lenders to fully disclose any loan fees and interest rates that the loan borrower may incur. You are under no obligation to accept the loan if you find the loan terms unsuitable for you.
Your local state laws and regulations may be the deciding factor of the interest rates and fees of your loan. Please review your state laws if you would like to know specific interest rate and associated fee laws before applying. Payday loans are not available in some states which includes but is not limited to New York