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This website summarizes state statutes concerning payday lending or deferred presentment, which choices single-payment, short-time duration loans primarily based on personal checks held for future deposit or on electronic use of personal checking records. Payday alternate loans can be found in the shape of federal credit history unions and now have applications charges and that can be capped at $20 when it comes to complete number of the home loan. State credit history unions also offer associated short-time duration, small-greenback loans.