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Why do payday loans get this kind of a bad rap? Frequently times you will see negative tales about payday financial loans and how they carry ridiculous APRs of in excess of 3,000%. These large APRs however are inherently flawed. An on the internet payday cash advance is made for brief-expression borrowing and really should not be annualized to get an desire charge. Using this very same logic of the payday financial loan critics, you would estimate a lodge place for 54,000 a 12 months or get salmon for $fifteen,000 a ton. It just doesn't perform that way.