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With a payday loan, you borrow/take out/receive a small amount of money that you agree/promise/commit to repay on your next payday.
Applying/Requesting/Getting a payday loan is usually a straightforward process/procedure/method.

While payday loans can be a helpful tool in a pinch, it's important to use/employ/apply them responsibly. Make sure you understand/comprehend/grasp the terms and conditions before you sign/agree/commit.

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