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Payday loans and high-APR installment loans can have APRs exceeding 400% in some states. They are designed for short-term emergencies only. This directory is for informational and comparison purposes only. Rates, terms, and availability change frequently and depend on your credit profile, state of residence, and lender policies. Lenderfinder.io is not a lender and does not provide financial advice. Always read the fine print and borrow responsibly.