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There's a reason credit card companies make cash advances easy to get: They're a good deal for credit card companies. But they're not such a good deal for you. Credit unions have begun marketing payday alternative loans (PALs), ranging from $200 to $1,000, to their customers. Because credit unions are nonprofits, 

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While designed to provide consumers with emergency liquidity, payday loans divert money away from consumer spending and towards paying interest rates. Some major banks offer payday loans with interest rates of 225 to 300 percent, while storefront and online payday lenders charge rates of 200 to 500 percent. Online