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Experts advise Las Vegas borrowers to know all their options before choosing a payday loan

When an emergency happens, payday loans can quickly produce cash for people without another option. While it can be argued that the payday loan business model is filling a much-needed niche, with interest rates topping 400 percent, it can also be argued they are an expensive way to borrow money. Financial advisers typically caution consumers to use such loans as a last resort and look first at alternative ways of getting cash fast.