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I took out a payday loan several times. Was approved quickly even for the first time. The money was immediately transferred to the card, they did not ask for any certificates.
The advantages are evident - you can choose a payday loan from any lender that suits you in accordance with the terms. There are a huge number of lenders offering a different amount, rate, term. In general, I used the service, I liked everything. Everything is fair and well-arranged.