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Some states like Sc have placed limits on the fee amount allowed. South Carolina law limits this fee to 15% of the amount borrowed. If you were to look at this in a yearly APR it would be 390% interest.
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Pay off the money as quickly as possible to avoid further more financial debt. Spending in installments could be hassle-free, but you will be paying massive charges for the freedom. Make greater monthly payments compared to deal calls for in order to finish your payment as quickly as you may.