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By clicking the button above, you certify that you have read and agreed to our Privacy Policy. Get the cash you need today! Loans from a state which has no limiting laws, or loans from a bank not governed by state laws may have an even higher APR. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement. Implications of Late Payments:. Implications of Non-Payment and Collection Practices. Not contacting you by phone before 8 am or after 9 pm.