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Wednesday, January 26, 2011. Are Payday Loans a Smart Way to Reduce Financial Stress? It is now possible to get a faxless payday loan. Through a simple web-based application process. This effectively has made it possible for millions of working Americans to borrow against a future paycheck in order to pay bills that are due before then. Clearly, getting current bills paid are a first priority in most working households. This is primarily how payday loans are used.

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