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Many states specifically regulate payday lenders; some outlaw them altogether. Others regulate interest rates, or have general regulations regarding taking a post-dated check, and the length of time a check can be held.
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Representative example: £400 borrowed for 90 days. Total amount repayable is £561. 92 in 3 monthly instalments of £187. Interest charged is £161. 92, interest rate 161. 9 pa (variable). Larger personal loans. The representative 33. 6 APR. Representative example: £2200 borrowed for 36 Months.