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Borrowers needs to be cautious of payday advance scams, where fraudsters pose as legitimate lenders as a way to steal personal and financial information. Some payday lenders may need borrowers to supply a copy with their military ID or any other proof of service in order to approve the loan. Some payday lenders may offer loans to borrowers with a bad credit score, but these plans may come with very high rates and fees. Borrowers should carefully read and see the terms and conditions of a pay day loan before accepting it. Some payday lenders may need borrowers to supply a copy of these passport or other proof of international travel in order to approve the loan. Borrowers should not provide personal or financial information to unsolicited callers or emailers claiming to offer payday loans. Payday loans may be more expensive for borrowers who may have a good bankruptcy or any other financial difficulties, as lenders may view them like a higher risk for default. Payday loans could possibly be more expensive for borrowers that are unable to supply collateral or possibly a co-signer, as lenders may view them being a higher risk for default. Borrowers who will be considering a payday advance should look at the laws and regulations inside their state before accepting the credit.