FINANCE
One Number Exposes Predatory Loans
The financial trap is hidden in the APR.
The Triple-Digit APR Signal
The Annual Percentage Rate reveals the true cost. Any rate over 36% is a warning; predatory lenders often exceed 100%.
The Payday Loan Debt Cycle
Their structure combines short repayment terms with high fees, creating a cycle of re-borrowing to cover the original debt.
Find Safer Loan Options
The full guide details alternatives and provides a checklist for avoiding predatory terms.
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