: While the loan application doesn't help build credit, defaulting can lead to collection accounts that severely damage your credit score.
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: If you cannot pay the full amount, some states allow you to "rollover" or renew the loan by paying only the fees, which adds a new round of charges without reducing the original debt. : While the loan application doesn't help build
: Offered by many federal credit unions, these have APRs capped at 28% and repayment terms of one to six months. payday*loan