Manchester United target Sergio Reguilon 'prefers a return to Sevilla

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That’s an advantage for people with poor or limited credit histories. But the high interest rates and strict repayment terms force many into a payday loan trap where they’re forced to take out new loans just to pay back existing ones. 

Credit unions If you have an account at a local credit union, you may have an easier qualifying for a personal loan. Most interest rates at credit unions are capped around 18% — even for those with low credit scores. 

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With a traditional loan, you receive a lump sum and then start to make payments back over a set amount of time — from a few months to a few years — with a “reasonable” rate of interest added on. With a payday loan, the full amount comes due all at once, including the interest and fees. With most, you’re required to write a postdated check for the full amount due — the loan, plus interest and fees — or give your lender permission to debit the money from your bank account on that date. 

Online lenders  There are lots of personal loans available online that more reasonable interest rates. Even if you have less-than-stellar credit, some lenders may look beyond your= credit score when evaluating eligibility. 

Interest rates for payday loans are much higher compared to traditional loans. A standard APR for a personal loan ranges from 6% to 36% — but may lenders offering payday loans charge annual rates of 100% or more, and some have been found to exceed 1,000% according to a 2013 ProPublica investigation. That noted, some states have limitations on interest and fees — and in some states, payday loans are altogether prohibited.

It’s also worth noting that payday loan lenders tend to target people who live in areas where poverty rates are high and income levels are low — as well as minorities and economically disadvantaged groups, who may have traditionally had greater difficulty qualifying for conventional loans, according to a study by the St. Louis Fed.

Costa ‘put up for sale by Juve as 29-year-old’s injury woes continue’

Juventus have lost patience with injury-prone winger Douglas Costa, leading Andrea Pirlo to put the Brazilian up for sale amid his Turin clear-out. The Brazilian is reportedly despite to stay.

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Tottenham join Man United in race for Sergio Reguilon

Spurs want to sign a left-back before the transfer window closes and the Real Madrid defender is emerging as a contender to fill the role. The £25m price tag is one that both club are able to meet.

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‘I’m keen to give my best for Paris Saint-Germain and the supporters. We have extraordinary challenges ahead of us this season, and it will be a pleasure and an honour to face them alongside my new teammates, who are among the best players in visit the next website page world.’

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Manchester United target Sergio Reguilon ‘prefers a return to Sevilla’

Ole Gunnar Solskjaer’s side have hit a roadblock in their pursuit of left-back Reguilon with Real Madrid reportedly insistent on a £27million buy-back clause. The 23-year-old made his debut for Spain.

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United ‘unwilling to meet Dortmund’s asking price for Sancho’

Many Premier League clubs are concerned about the possibility of a new lockdown in addition to the continued uncertainty regarding when supporters will return to stadiums.

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Recruit a cosigner If you can’t get a loan from an online lender or credit union, you may want to ask a friend or family-member to cosign a loan. The cosigner should have decent credit; it’s their score and credit history will help get you over the eligibility hump. Keep in mind that if you fall behind on payments, not only will  suffer; so, too, will your cosigner’s.