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(e) Electronic short notice— General.
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A small number are installment loans, while most are “hybrid” loans that typically have a duration of roughly four pay cycles.
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With more people taking out short term loans than standard bank loans in the last year, the demand for instant loans is higher than ever.
In data from one lender analyzed by the Bureau, about 60 percent of balloon-payment installment loans result in default or refinancing.
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It was not the banks that created the mortgage crisis.
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