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    Consolidating payday loan debt

    There are many different ways to calculate annual percentage rate of a loan.

    For example, if you have 3 credit cards and you owe a combined ,000 on them, when you ask your lender for a consolidation loan, if you qualify, they will lend you the ,000.Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders.In the United States, the rates of these loans used to be restricted in most states by the Uniform Small Loan Laws (USLL), with 36–40% APR generally the norm.If you are wondering what a debt consolidation loan is and how it works, it is where a bank, credit union or finance company provides you with the money to pay off your outstanding credit card debts and "consolidates" them (brings them all together) into one big loan.This is the definition of a debt / bill consolidation loan in the simplest terms.

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