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A 500 dollar loan for 30 days may cost up to 100 dollars in finance fees so you need to factor this to see if you can pay back after a month.

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For these reasons, the Bureau believes that lenders may take unreasonable advantage of consumers' lack of understanding of these risks and costs, and of consumers' inability to protect their interests, when they make covered longer-term loans without making any reasonable determination that the consumer will have the ability to make the payments under the loan.

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