Who in their Right Mind Takes Out a Payday Loan?

There are not many easy ways for people with bad credit and few assets to get cash quickly, but payday lenders are one of them. The business model for payday lending is remarkably simple. A person borrows a sum of money in exchange for an agreed deduction from a future paycheck plus a service charge usually around $15 per month for every $100 borrowed. Because the borrowing cost of payday loans is so exceedingly high – the annualized percentage rate (APR) is around 400% – it is often argued that payday lending is a scam that preys upon financially illiterate people.

In an interesting new paper Marianne Bertrand and Adair Morse of the University of Chicago report on a randomized experiment in cooperation with a major payday lender (remarkably) to examine the cognitive biases that may shape payday lending behavior.

In one set of treatments, the researchers experimentally manipulated the information disclosed to borrowers at the time they took out a loan. Some subjects received their cash in an ordinary envelope with a schedule for repayment printed on it. Others received an envelope printed with information intended to present information that dramatically reinforced the true cost of a payday loan. For example, one envelope was printed with a table that displayed the annualized cost of repaying a payday loan (APR over 400%) compared to other loans such as a credit card, a subprime mortgage, and an installment car loan (all with APRs under 20%). The authors find a reduction in future lending among subjects that received the information treatment envelopes – the largest estimated effect was around 11 percent reduced lending.

The authors conclude that payday borrowing behavior reflects cognitive biases. Although the exact psychological process leading to the cognitive error is not ascertainable from the experimental design, the results suggest that people would likely borrow less frequently from payday lenders if they were fully informed about the true cost of repayment. If they don’t borrow from payday lenders, it stands to reason they won’t be able to borrow from anywhere: The population that is borrowing from payday lenders is likely to be shut out of the conventional credit market. This might not be a huge problem if the lending was used to fund leisure spending or non-urgent spending, but plenty of payday borrowers need cash quickly to pay medical bills, repair a car, or pay for groceries. Better information would help to steer people away from obviously bad choices, but it does not help much when the payday lender is the least bad option.

About Brendan Saloner

I am a postdoctoral fellow at the University of Pennsylvania in the Robert Wood Johnson Health and Society Scholars Program. I completed a PhD in health policy at Harvard in 2012. My current research focuses on children's health, public programs, racial/ethnic disparities, and mental health. I am also interested in justice and health care.
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73 Responses to Who in their Right Mind Takes Out a Payday Loan?

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  36. bryce knorr says:

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  37. Mr Jack martin says:

    we give out long term loans for one year to twenty years maximum.
    We offer the following kinds of loans and many more;

    * Personal Loans (Unsecured Loan)
    * Business Loans (Unsecured Loan)
    * Consolidation Loan
    * Combination Loan
    * Home Improvement.

    Please if you are delighted and interested in our financial offer, Do not
    Hesitate to contact us if urgently in need of our service as you will be required
    To furnish us with the following details to commence with the process of
    Your loan proceedings accordingly.

    Name’s:_______________________________
    Gender:_______________________________
    Marital status:_______________________
    Contact Address:______________________
    City/Zip code:________________________
    Country:______________________________
    Date of Birth:________________________
    Amount Needed as Loan:________________
    Loan Duration:________________________
    Monthly Income:_______________________
    Occupation:___________________________
    Purpose for Loan:_____________________
    Valid Phone No:_______________________

  38. I’m Christina Mills by name. I live in GERMANY, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Peter Jackson who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: peterjacksonloan@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Peter Jackson, i pray that God should give him long life.

    God bless him forever.

    Christina Mills

    Testimony on how i got my loan

  39. kenjones says:

    Hello everyone am here to testify how i got my loan from online loan
    after i applied several times from various loan lenders who
    claimed to also testify right in this forum,i thought the testimonies
    where real and i applied but they never gave me loan. I was in need of
    an urgent loan to start a business and i applied from various loan
    lenders who promised to help but they never gave me the loan .Until a
    friend of mine introduce me to online loan who promised to
    help me and indeed he did as he promised without any form of delay.I
    never thought there are still reliable loan lenders until i met online
    Loan ,who are indeed helped with the loan and changed my
    belief.I don’t know if you are in any way in need of a genuine and
    urgent loan,free feel to contact online loan via
    email {onlineloan2016@gmail.com}

  40. Alvarez says:

    Hello we a private loan company we give out or loans at a low interest rate of 3% if you need a loan please inbox us at alvareztejada177@outlook.com
    Thanks.

  41. lindasmith says:

    Hello Everyone, My name is lindasmith, I’m from carlifornia USA, i will like to talk about the goodness of God in my life after so many months of trying to get a loan via internet and was been scammed so i became desperate in getting a loan from a legit lender online. But as God would have it, i saw a comment from a friend sophia wilson and she talked about this legit loan company where she got her loan fast and easy without any stress so she introduced me to a man called Mr Ryan wyatt who controls a company called “CALVIN LARRY LENDERS “, So i applied for a loan sum of ($345,000.00USD) to start up a new business of my own with low interest rate of 2%, so the loan was approved and deposited into my bank account in less than 48hrs, that was how i was able to get my loan to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them via email: {calvinlarrylenders@gmail.com} get any kind of loan you need today, thanks as you read the greatest testimony of my life contact them today and be free from internet scam.

  42. sarahvaughn8400 says:

    I GOT MY CONSOLIDATION LOAN OF $850,000 FROM GLOBAL LOAN FUNDS COMPANY…

    Greeting to the the entire public. I am happily married with two kids.I came to this very site to advertise and share the good work of Saint Smith Loan Company for giving me a consolidation loan of $90,000…I have being declined every where,I went through a lot of process and being scammed by different loan companies that i came across but when i meant Global Compact Loan Funds they gave me a loan of $850,000 after paying their registration fee of $1000,I have being looking for a loan for the past 3months but after a week i came across Jerry Global Compact Loan Firm who uses this email address:(globalcompactloanfunds@gmail.com),then i got my loan,,This really made me to start life again after all the difficulties i had,tony was sent to me and i have a happy home again,I am here to use this medium to inform the general public that if you need a legit loan without any stress and same day approval,you will have to quickly contact them right away via email on:(globalcompactloanfunds@gmail.com)

  43. Affordable Loan With Low Interest Rate!!!!!!
    At Oceans Window Financial Services We offer loans at low interest rate of 2% and

    with no credit check, We offer personal loans, debt consolidation loans, venture

    capital capital, business loans, education, home loans
    or “loans for any reason, from $ 5,000 to $ 1 million range. However,
    our method allows you to specify the loan amount needed and duration you
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    to discuss them.

  44. Mr David says:

    Are you in need of a loan? i am Mr David here in United state , i was in need of a loan for the past 2 months now and also really been fooled by dose fool out there in the internet, if not the help of Mrs Mercy Lisa. i don’t know where i would have been now, please i kindly advise you my good people of America, if you are in need of a loan kindly email; MERCYLISA07@GMAIL.COM loan funds for help and there loan rate is 3% OK:

  45. Brent Collis says:

    Hello,

    I am Brent Collis by name, a citizen of USA and by the grace of Almighty God, i am a loan lender with 12 years experience who give out loan to individuals, firms and corporate bodies at an interest rate of 3%. If you need a loan for any purpose (LEGAL), contact us through email or phone number.

    EMAIL: brentcollis@gmail.com

    PHONE: 913-884-3954

    Text or Call and you will get a response back within 10 minutes.

    100% Satisfaction Guaranteed.

    Dr. Brent Collis.
    DOCTOR/LOAN OFFICER.

  46. Loiuce says:

    Hello Every One, I am Mrs Stanley Loiuse From Alaska U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,600 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Alvarez Tejada who is the C.E.O of Alvarez Tejada Loan Firm So i applied for a loan sum of (360,000.00USD) with low interest rate of 2%, And to my surprise the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact him via: Tel:+447087662298 or (tejadaalvarezservice12@hotmail.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.
    anil.aria12@hotmail.com

  47. kurtz joey says:

    Good day Audience,
    I am kurtz,from spain, i want to use this
    great medium to announce this lending organisation (Rick campbell Merry Lending) loan company which is
    really a God sent to me and my family. few months back i was in
    search of a loan to finance my project in algeria. I searched from the internet where i was scammed of
    $3150.00,few months ago. i never thought i will ever apply for a loan on the
    internet again infact I swore never to! Until i met a testimony post about this lender made by
    one Maury who also got a loan from them, then i took a try
    again, after loan processing i was ask to provide my banking
    details which i did and to my greatest surprise i was granted
    a loan of $70,000.00 at first i thought it was a joke and didn’t want to be too happy based on how I got deceived before, until i got
    to the bank to confirm and it was true, omg I still remember that joyful moment i was overwhelmed
    with joy. so i want you all who desire a loan and are capable
    of paying back the funds at the due time in other to avoid the wrath of the law! to contact them now via email:rickcampbell1001@gmail.com.
    and be a partaker of my testimony!

  48. michael says:

    If you are really serious in getting a loan without been scamed, reach the RC merry lending organisation today via email. rickcampbell1001@gmail.com

  49. ehix norman says:

    Are you a business man or woman?
    Are you searching for a very genuine loan at an
    affordable interest rate processed within 2 of 5
    working days? Do you have a low credit score, and
    you are finding it difficult to obtain capital loan from
    local banks/other financial institutions? Worry no
    more here comes your opportunity… I am Mr
    Kabir lamar, a private loan lender located in USA
    and i offer loan to individuals, firms and cooperate
    bodies for real estate and any kinds of business
    financing ranging from $5,000.00 Min. to
    $50,000,000.00 Max. at a 3% interest rate.
    AVAILABLE LOANS WE OFFER ARE;
    *Business Funding/Financing
    *Unsecured Loan
    *Commercial Loan
    *Debt consolidation Loan
    *Equity Loan
    *Personal Loan
    *Venture Capital Loan
    *Property Loan &
    *Mortgage Loan.
    Contact us today for a genuine loan via email:
    ehixnorman@gmail.com

  50. ehix norman says:

    Are you a business man or woman?
    Are you searching for a very genuine loan at an
    affordable interest rate processed within 2 of 5
    working days? Do you have a low credit score, and
    you are finding it difficult to obtain capital loan from
    local banks/other financial institutions? Worry no
    more here comes your opportunity… I am Mr
    Ehix norman, a private loan lender located in USA
    and i offer loan to individuals, firms and cooperate
    bodies for real estate and any kinds of business
    financing ranging from $5,000.00 Min. to
    $50,000,000.00 Max. at a 3% interest rate.
    AVAILABLE LOANS WE OFFER ARE;
    *Business Funding/Financing
    *Unsecured Loan
    *Commercial Loan
    *Debt consolidation Loan
    *Equity Loan
    *Personal Loan
    *Venture Capital Loan
    *Property Loan &
    *Mortgage Loan.
    Contact us today for a genuine loan via email:ehixnorman@gmail.com

  51. kanyejohnson says:

    Hello,
    Do you need an urgent loan today?if yes then contact a God fearing and reliable lender via email at kanyejohnson@gmail.com

  52. MR JAMES TERRY says:

    Are you a business man or woman?
    Are you searching for a very genuine loan at an
    affordable interest rate processed within 2 of 5
    working days? Do you have a low credit score, and
    you are finding it difficult to obtain capital loan from
    local banks/other financial institutions? Worry no
    more here comes your opportunity… I am Mr
    james terry a private loan lender located in USA
    and i offer loan to individuals, firms and cooperate
    bodies for real estate and any kinds of business
    financing ranging from $5,000.00 Min. to
    $50,000,000.00 Max. at a 3% interest rate.
    AVAILABLE LOANS WE OFFER ARE;
    *Business Funding/Financing
    *Unsecured Loan
    *Commercial Loan
    *Debt consolidation Loan
    *Equity Loan
    *Personal Loan
    *Venture Capital Loan
    *Property Loan &
    *Mortgage Loan.
    Contact us today for a genuine loan via email:

  53. 3% LOAN OFFER APPLY NOW *

    You lose sleep at night looking for a loan?
    * Looking for a loan to pay debts?
    * Looking for a loan to start your own business?
    * Looking for loans to large projects carried out?

    Contact us today: meritlenders@yahoo.com
    Fill in the form to make your loan application:

    name:
    Country:
    Loan Amount needed:
    occupation:
    Monthly income:
    Phone:
    Length of loan maturity (years):

    Warm Regards
    Mrs. Karol Robinson

    524 N. GALLOWAY
    TEXAS,
    UNITED STATE OF AMERICA.
    © 2016 MERIT LENDING GROUP OF COMPANY

  54. rose anna says:

    Hello,
    This is to inform the general public that Mrs Rose Anna, a private loan lender has open up a financial opportunity for everyone in need of any financial help. We give out loan at 2% interest rate to individuals, firms and companies under a clear and understandable terms and condition. contact us today by e-mail at: (roseannamoore70@gmail.com)

  55. Culbatanna L says:

    Hello friends!!! My name is Mrs Culbatanna Moucata. i want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 3,800USD. One day as i was browsing through the internet looking frustrated when i came across a testimony woman who was also scammed and eventually got linked to a legit loan company called Johnson Loan Interest Purchaser Plc and email (johnsonkithendu007@gmail.com) where she finally got her loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and to my shock I was given a loan amount of $120,000.00 Dollars by this great Company (Johnson Loan firm} managed by Mr Johnson Kithendua God fearing man and here i am today happy because this company has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via email: johnsonkithendu007@gmail.com he is kind hearten. i remain Mrs Culbatanna Moucata,

    Mrs Culbatanna Moucata

  56. Gulab Noor says:

    HELLO,
    Apply for a quick and convenient loan to pay off bills and to

    start a new financial project at the cheapest interest rate of

    2%. Do contact us today via
    E-mail: oceanswindowfinancialservices@yahoo.com with the loan

    amount needed. Our minimum loan offer is $2,000.00 to

    $500,000,000.00USD . we are certified ,registered and legit

    lender . You can contact us today if you are interested in

    getting this loan, contact us for more information about the

    loan process. Process like the loan terms and conditions and

    how the loan will be transferred to you. we need your urgent

    response if you are interested.
    KINDLY FILL AND SUBMIT THE LOAN APPLICATION FORM BELOW:

    (1)Full Names:
    (2)Phone number:
    (3)Loan amount needed:
    (4)Loan Duration:
    (5)Country:
    (6)State/Province:
    (7)Monthly Income:
    (8)Marital Status:
    (9)Have you applied before:
    (10)Loan Purpose:

    Kind regards,
    G.N Craddock

  57. sandra says:

    Hello This is GET LOAN TODAY company, we offer all kind of loan so if you are in need of a loan, you have to contact this email Getloantoday3@gmail.com

  58. Hello,
    This is to inform the general public that Mr Nino, a private loan lender has open up a financial opportunity for everyone in need of any financial help. We give out loan at 3% interest rate to individuals, firms and companies under a clear and understandable terms and condition. contact us today by e-mail at: (ninoemmanuel49@gmail.com)

  59. Mr. WILSON ERIC says:

    LOAN OFFER,

    I’m Mr. WILSON ERIC. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way, LIKE- mortgages, home loans, business loans, bad credit loans, commercial loans, start-up- working capital loans, construction loans, car loans, hotel loans, student loans, personal loans, Debts Consolidation Loan, so many more… Do you need a loan? Have you been looking for where to get a loan? Have you been trying to get any kind of those loans mention above? Then apply now asap @ (exprssloanway@gmail.com). If you want to get an affordable loan. We guarantee the lowest rate of 2% for all loans, with free collateral benefits. Once we receive your response, we would immediately begin processing your loan …..(exprssloanway@gmail.com)…once we received your reply we start asap with the loan process okay. 24/7 hours Financing…

  60. junlie ben says:

    Good everyone.
    Am here to share my testimony what a Good trusted lady did for me. My name is Mrs ,Julie Benson am from Dubai and I’m a mother of 3 kids and i lost my husband last year June 3rd and things where very hard for me and my children so when I was online to seek for a loan and i fall in the hands of scam, i was scam over $9,000.00 dollars, all my Husband access where taken away from us by his brothers, all hope was lost and i and my kids where sleeping in the street on till one faithful day when i met this friend of my who introduced me to this honest company who helped me get a loan in next 24 hours without any Daley, i will forever be grateful to Mr. Robet.M. Clark you can contact him now if you are in need of a loan via email:( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan.

    Thanks.

  61. adekule says:

    Hello everyone, My name is soki, I am from
    the Alabama, United State, am here to testify of how i
    got my loan from Mr macchol Loan Company
    { (Maccholklean@gmail.com) } after i applied
    Two times from various loan lenders who claimed to
    be lenders right here this forum, i thought their
    lending was real and i applied but they never gave
    me loan until a friend of mine introduce me to Mr
    Macchol Loan Company, who promised to help me
    with a loan of my desire and he really did as he
    promised without any form of delay, I had doubts but
    i never seize to believe. I never thought there are still
    reliable loan lenders until i met Mr macchol, who
    really helped me with my loan and changed my life
    for the better. I know there are still many good
    lenders out there but i would advise you to try Mr
    Macchol Loan Company, his caring and
    understanding. don’t know if you are in need of an
    urgent loan also or want funding for your projects,
    So feel free to contact Mr macchol Loan Company
    his email address is ( maccholklean@gmail.com)

  62. lesha says:

    i need an urgent loan 2016 USA is not a lender, does
    not broker loans to lenders and does not make short
    term cash loans or credit decisions. i need an urgent
    loan 2016 USA does not constitute an offer or
    solicitation to lend. i need an urgent loan 2016 USA
    will submit the information you provide to a lender.
    Providing your information on i need an urgent loan
    2016 USA does not guarantee that you will be
    approved for a short term cash loans. i need an
    urgent loan 2016 USA is not an agent, representative
    or broker of any lender and does not endorse or
    charge you for any service or product. Not all lenders
    can provide up to $1,000. Cash transfer times may
    vary between lenders your individual financial
    institution. For details, questions or concerns
    regarding your short term cash loans, please contact
    your lender directly via (maccholkleam@gmail.com) OR via: (maccholdavid@gmail.com)

  63. Do you think of getting a loan? You are seriously in need of an urgent loan to start your own business? Are you in debt? This is your chance to achieve your desire, we give personal loans, business loans and corporate loans and all types of loan with 2% interest for more information contact us via email (trabadovillaspin@gmail.com)

  64. Jerry says:

    My name is Jerry I just receive a loan of $500 from Mr Larry Scott he is from USA Texas contact him via scottlarry816@gmail.com for your loan today I am so happy.

  65. My name is Dennis Weaver a citizen of Australia. i have been scammed by 20 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 28930USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Robert Clark Loan Company where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 20 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $300,000AUD by this great Company (ROBERT CLARK LOAN COMPANY} managed by Mr.Robert .M. Clark and here i am today happy because ROBERT CLARK LOAN COMPANY HAS GIVEN ME A LOAN so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact John Harrison loan company now for your loan via email: ( robert.clark071@gmail.com)

  66. George Smith says:

    Hello friends!!! My name is Fred Smith from UK. i want to testify of the good Loan Lender who showed happiness to me after been scammed by 2 different Internet international lender, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 3,000 Pounds . One day as i was browsing through the internet looking frustrated when i came across a testimony of man called San shields who was also scammed and eventually got linked to a legit loan company called Accord Loan Firm where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 2 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me including all the charges involved and to my shock I was given a loan amount of 90,000.00 Pounds by this great Company (Trust Fund Loan) They were the Savior GOD sent to rescue my family and at first i thought it was not going to be possible because i have been scammed by 2 different lenders until i received my loan of 90,000.00 Pounds and now, i and my family are so happy today, i will advise anyone who is in need of a genuine loan to contact Mr Jose Lucas a God Fearing Man via email at :(info.trustfundloan@consultant.com) because he is the most understanding and kind hearten lender.

  67. David Williams says:



    Hi, Do you refuse a loan from a fake loan companies on the internet? You need an urgent loan to pay your bills, look for a business loan or a personal loan with a low interest rate of 2%? Contact us via e-mail: Address: (unverialfund@outlook.com) with the following information:

    name:
    country:
    The state:
    amount:
    Loan duration:
    phone:………………………

  68. john says:

    loan investment offer

    We offer private investment loans to interested customers to help them reach their highest potential and also help our clients invest their funds.

    Don’t let finance stop you from expanding your business or starting a company. let us help you.

    We have clients who have funds and want to invest in other countries and in different sectors so if you are looking for investment loan or business loan,
    this is the right place for you. With a low interest rate and negotiable terms, we help you make your dream come through.

    Our services:

    Business Loan
    Investment Loan

    Our main aim is to help our client invest their funds in real and viable sectors in your country. If you are interested in investing, we will be glad to help you invest your funds.

    Contact Robinson for more details.

    DR Robinson
    Robinson investment
    Email:

  69. Juliet Paul says:

    Do you need a loan? We offer all types of loans (Business, Personal, Consolidation, Car, investments, etc.) @ 2% pert. Are you look for a Loan and the bank refuses because of bad credit come let see if we can help you. Contact mahindra finance for small and large loans amount. We give out loan at 2% interest rate. Contact us today via e-mail at: mahindrafinance542@gmail.com We also give out from. £6 thousand Pounds to 150 million Pounds for individuals and companies, the credit is open to all regardless of nationality.

  70. James says:

    Are you looking for a business loan? personal loan, house loan, car loan, student loan,debt consolidation loan, unsecured loans, venture capital, etc. .. Or have you been refused a loan by a bank or a financial institution for any reasons. I am Mr James, a lender, lending to businesses and individuals in a low and affordable interest rate of 2% interest rate. if Interested? Contact us today at (philiploancompany14.com) and get your loan today

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