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A savings plan however modest can help you avoid borrowing for emergencies. Saving the cash advance merchant processing on a 300 payday loan for six months, for example, can help you create a buffer against financial emergencies.
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In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lenders rates and fees may be higher than state-licensed lenders.
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Such loans are not a long-term financial solution.