Read the fine print. As with any financing, read the terms of the loan offers and get answers to your questions. In particular, watch for: Prepayment penalties. Most online lenders do not charge a fee for paying off the loan early, called a prepayment penalty or exit fee.

Automatic withdrawals. If a lender requires payments be automatically withdrawn from your checking account, consider setting up a low balance alert with your bank to avoid overdraft fees.

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Here's what a few of our customers say: Dealing with Just Cashflow reminds me of the way business banking used to work. The process was very quick and easy and the funds helped us make a quick decision for taking on extra work. Extremely helpful and showed a very good understanding of what our business was about and what we were trying to do. We've funded a wide range of UK Businesses.

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Relatively Uneducated. More than half of all payday loan users have no education beyond high school. Less than 15 of them have a four-year college degree. Unemployed or Disabled. Payday lenders are perfectly happy to borrow against your unemployment or disability benefits. About 1 in 10 unemployed Americans has used a payday loan in the past five years although they may have been employed when they took out the loan.

Disabled people use payday loans at an even higher rate.

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