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The lenders therefore list a different set of alternatives (costs expressed here as APRs for two-week terms):
$100 payday advance with $15 fee = 391% APR;
$100 bounced check with $48 NSF/merchant fees = 1,251% APR;
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Variations on payday lending
A minority of mainstream banks offer advances for customers whose paychecks or other funds are deposited electronically into their accounts. A simple example is a flat dollar plan design that provides $100 per month for
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Credit is the provision of resources (such as granting a loan) by one party to another party where that second party does not immediately pay the first party for the resources in full, thereby generating a debt, and instead arranges either to pay for or to return those resources (or equivalent value) at a later date. When lenders are optimistic (notably when the debt level is low), they increase their lendings activity, thus creating new money and triggering inflation, when they are pessimistic (for instance because the debt level is perceived as so high that defaults can only follow), they reduce their lending activities, bankruptcies and deflation follows.
The money supply is the amount of money within a specific economy available for
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