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In a Best Payday Loans example, a person borrowed $300 with a stated one-time finance fee of $ It is our goal to improve your situation financially, so that you can live a less stressful more productive life! It is quite common to see one hour processing time ads. Rates and terms will vary depending upon the state where you reside. We'll use plain English whenever you deal with us and make sure that we put things as simply as possible. Impact on Your Credit Score If you do not repay your loan to Credit Club, your credit score may be negatively affected. Even if you never hit "Submit" to complete the transaction, your information can be captured through keystroke logging – a program used to see and store everything you enter on application. Instant payday loans are really very helpful in the situations when cash is needed urgently without delays. You can apply for your guaranteed payday loans while at home or at work as long as you have access to a computer.