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Payday loans are also known as a payday advance or a paycheck advance. These oans are small loans made on a short term basis just to enable the borrower to cover his expenses until his next payday. When these loans are made against credit cards, these loans are known as cash advances. Different countries have different legislation procedures regarding the payday loans Some of the jurisdictions impose usury limits which are very stringent, by limiting the nominal annual percentage rate (APR) that all the lenders including the payday lenders can charge on the borrowers, while some impose a minimal restrictions.
