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As payday is a short-term cash advance it presupposes higher interest rates and APR. It varies from state to state and from lender to lender ranging from 395% to 800%. If you need details about Arkansas interest rates go to Payday Loans in Arkansas. We must warn you no prepayment is ever charged. The only fee due to  We are a mediation service and we are trying to collect a debt that you took through a payday loan online .. Checked my voicemail this morning and got the message from Jim Kilroy about buying my business- I am also in Arkansas with a child care facility- Seems strange to me that some big time investor would want a 

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