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Magnum payday advance loan for example, in response to the MLA regulations prohibiting certain closed-end payday loans of 91 days or less in duration and vehicle title loans of 181 days or less in duration, lenders began offering payday loans greater than 91 days in duration and vehicle title loans greater than 181 days in duration, along with open-end products.

In fact, the fixed-term loans that borrowers get from Prosper are just the sorts of instruments that many consumer advocates recommend for eliminating credit card debt.

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