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About once every 3 months I [apply for|take out|issue[ a payday loan. The service is smart, money is deposited to the account within hours. The most significant benefit is the online service and therefore can be taken at any time of the day or night.
I took out a payday loan 2 times. Was approved quickly even for the first time. The funds was immediately deposited to the card, they did not ask for any certificates.