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Paying the loan back - When do I have to pay it back? You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. Bad Credit Online Payday Loans Bad Credit Is NEVER an Issue With American Cash and Loans. We have a few requirements to issue a loan Include Being at least 18 years old and Employed at the same job for the last 30 days with Earning at least $800 each month and have A valid checking account
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