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Payday lenders made about 49 billion in high-interest loans last year. More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out. In the course of reporting a story earlier this year, I logged on to a site called eTaxLoan. com and filled out an application. I asked for 500 and, to be safe, I made up an address, a name (Mary) and a Social Security number.
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12, with a total payback amount of 2,269. 44 which including the 3 fee paid from the loan amount, would have a total cost of 329. Representative 29. 82 APR.