The debt trap is the payday loan’s business model. Payday loan rates and fees vary from state to state, with some allowing astronomical borrowing costs. A typical payday loan in Texas carries an APR.
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· In commercial real estate loans, a prepayment penalty is a fee charged to borrower if they attempt to repay their loan early. When a lender issues a loan, they typically want to lock in their profit for a certain amount of time, so the prepayment penalty is a way to compensate them for their financi
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