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Times can be tough, but that doesn’t mean you should settle for just any short-term loan you can find. Payday loans and installment loans aren’t legal in every state, and even if they are legal, lenders usually have to abide by strict regulations. Any lender that isn’t willing to comply with state law won’t be legit.

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"And the market’s like, well, that’s not good enough. more than $5-billion in loans to telecommunications and cable companies. But when the sector imploded in 2001 and 2002, banks around the world.

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