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Credit Impact Delinquent activity loan defaults and late or missed payments may be reported to credit agencies which could negatively affect your credit rating. Payday loans are classified as short-term loans because they are meant to be fully repaid within two weeks or the next payday. If you have any doubts about being able to repay your loan within this short period of time we strongly suggest that you investigate other borrowing options. Consumers with credit difficulties should seek help from credit counselors. What if I'm approved for a loan but change my mind? Until you officially sign your loan agreement electronically or otherwise you have every right to decline a payday loan offer from any lender.

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