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The annual percentage rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.
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an advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. a payday or auto title loan should only be used to meet immediate short-term cash needs. refinancing rather than paying the debt in full when due.