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While that situation is oversimplified, it provides an example of how and why some lenders attempt to enact prepayment penalties.
They provide convenient access to fast money, however excessive charges and interest will price you dearly. Not everybody qualifies for a money advance .
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You need to pay your debt throughout the stipulated time to avail zero-interest facility.
Many on-line lenders provide lower than common rates of dealing with a competitive market.