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A consumer may take out two loans concurrently (single-payment payday, payday installment, or a combination thereof) so long as the total amount borrowed does not exceed the cap.
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Apply for payday loan via phone two comments on my credit score in the past few years: 1) It really helped to make at least one charge on my open lines each month.
And when payments exceed a consumer's ability to repay, the consumer is likely to suffer very substantial harms, as described above.
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Assume the lender makes the third loan, which has a contractual due date of April 15, and the consumer repays the loan on April 15.
Institutions may rely on (a) and its related commentary in determining the meaning of closed-end credit, but without regard to whether the credit is consumer credit, as that term is defined in (a), or is extended to a consumer, as that term is defined in (a).