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Payday loans could be more expensive for borrowers who have a history of defaulting on loans or any other financial obligations. Payday loans could possibly be more expensive for borrowers that have no additional options for covering childcare expenses and other family-related costs. Some payday lenders may offer loans to borrowers with bad credit, but these financing options may come with very high rates and fees. The high interest rates on payday cash advances can make it difficult for borrowers to repay the loan on time and can lead with a cycle of debt. Borrowers who’re struggling with payday loan debt should be aware of their rights under state and federal consumer protection laws, which may provide additional protections against harassment as well as other predatory practices. Some payday lenders may offer loans to borrowers without credit history, but these loans may come with very high rates and fees. Payday loans could be more expensive for borrowers who have no other choices for covering technology expenses or other equipment costs. Payday loans may be more expensive for borrowers that have no other options for borrowing money, for example family or friends. Borrowers that are considering a payday advance should look at the laws and regulations of their state before accepting the loan.