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When borrowers become credit challenged, don't have any additional cash and credit is no longer accessible, alternative choices like quick online payday loan direct lenders become a popular cash resource. Applications are easy, credit scores are not relevant to lenders and also the money is delivered quickly. That's a sweet solution for all those scrambling to make good on due dates. The unfortunate part is the fact that when such loans are used to maintain regular budget demands, the payoff becomes that much more difficult.