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Payday lending often gets a bad rap for taking advantage of individuals with low credit by providing quick-time period, high-curiosity loans. Consultant Instance: £four hundred borrowed for 90 days. Whole amount repayable is £561.ninety two in three month-to-month instalments of £187.31. Curiosity charged is £161.ninety two, interest rate 161.9% (variable). Representative 305.9% APR. We’re a…