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Are Payday Loans Really as Evil as People Say? (Ep. 241. – With annual interest rates around 400 percent, payday loans are called. say short-term, high-interest loans are predatory, trapping borrowers in a cycle of debt.. And I lit me a cigarette and the officers pulled up on me and was like, ” Hey. how payday lenders operate, or perhaps put them out of business.

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