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Some of the things which need to be avoided when you take a bad credit loan: [link widoczny dla zalogowanych] Average tenure for a MONEY 50 manager: 11.5 years Life and the ever changing facets of our finances can occasionally catch us off guard. For those with a less than perfect credit rating or perhaps people who just have no-where else to turn, payday loans can be a godsend. Small, easily repayable amounts. Not too much to cause a headache in repaying, but just enough to cover those unforeseen costs, can be applied for totally online.