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Step 1
Do you really need the money? Payday loans can be expensive if you do not go to the right place. If you can make it to next payday by cutting back, working out payment arrangements, or working an extra gig for cash you should do that first.
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Step 2
Figure out how much money you need. The fee for a $200 loan in some cases can be 1/2 of the fee for the $500 loan. Also check out the tips on this site for websites that can offer you free first time payday loans. If you can get one payday loan for free and you budget better you hopefully will never need to use the payday lender again.
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Step 3
Shop online. Online lenders tend to be cheaper and it will save you the trip to the area check cashing/loan store.












