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And for those who're quoted a better fee, LightStream could beat that charge by 0.1%. Plus, its autopay discount is without doubt one of the greatest around — you may trim 0.5% off your APR by signing up for computerized funds while you apply. And some payday mortgage companies will lend you the cash you want in as little as 1 hour. And it pays to test round at a few different firms to get your finest rates.

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