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The one I found with the best (lowest) annual fee is Capital one.
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It looks legal and because I didnt have a cosigner I was asked to send them four months payments up front.
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You should check out your credit report before you apply for a loan, to find out your credit rating and avoid nasty surprises.
However, the Bureau recognizes that there also is a sizable segment of lenders making covered short-term loans who operate only in States without a state-mandated reporting system and who make lending decisions without obtaining any data from a consumer reporting agency.
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