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Credit quality data for specialty payday lending entities is lacking since most payday lenders are small, non-publicly traded firms. Review of publicly traded company reports indicates that some specialty payday lenders have recently recorded quarterly annualized net charge-off ratios as high as 83 percent,3 far higher than the typical annualized net charge-off ratio for subprime credit card lenders. Recent charge-off ratios for subprime lending institutions' credit card portfolios, while still high, typically do not exceed 20 percent. Higher default rates for payday loan portfolios indicate that loan loss reserves and capital levels that may be adequate for some other forms of subprime lending may not properly cover the greater risks associated with payday loans. awesome bubble letter fonts http://blackyandex.ru/

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Responsible payday loans are registered with the OFT. This means that they have a consumer credit license which should be visible on the page. In addition, the lender should show real transparency when it comes to the cost of their loans. This means showing the APR clearly on the site and the cost of repayments. http://figlyar.ru

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