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- His salary must be at least 1000 US dollars from more than 6 months in his job. As credit card debt accounts for 35% of your credit score, opening a couple of secured credit cards would greatly improve your credit ranking in as little as few months. So whether you need money to bridge a payday gap or for financing small expenses between payment cycles, a payday loan is a good financial solution to gain access to cash almost immediately, just make sure you can pay your debt off rather than roll it over like some people do after applying for several payday loans at a time.
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