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A payday loan is a short-term,high-interest loan, targeted at borrowers who needmoney between paychecks. The contract generallyrequires the borrower to pay back the loan in 14days, when their next paycheck arrives. Consumersshould beware of the costs and fees associated withsuch loans. Consumers should also be wary of whothey are borrowing from, as some payday lenders donot follow Minnesota law and charge rates of interestfar greater than those allowed in Minnesota. money

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