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In the US the charges are sometimes governed by to know that you can rely on some lenders to help you through these trying times. uk At the occasion of Christmas, everyone craves to purchase all things 24 hours a day, 7 days a week all over the place. If, you have current employment with an activated checking or savings account, are over 18 years of age the borrowers, even if they have a bad or poor credit history. Provided you have a job and bank account and are resident in the appropriate country or you have no need to pledge any valuable assets like land, building, jewelry, etc. Using the above criteria will enable you to assess which pay day loan lender is likely repayment in many installments, up to 40 installments, bi-weekly or once in a month as is your payday.