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There are many risks to consider when you need to use Payday Loans in order to borrow money. When you need to use a payday loan, it is a sign that you are living paycheck to paycheck and need to make more money in order to support yourself based on your day to day expenses. As these types of loans have high interest rates that exceed 2% a month, they are very unforgiving. In fact, if you borrow money using a payday loan, you may find that it will take many years to pay off the interest from the loan alone.