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Some payday lenders may offer loans to borrowers with a low credit score, but these financing options may come with very high rates and fees. Some payday lenders may require borrowers to offer a copy of these tax returns or any other financial documents to be able to approve the credit. However, borrowers needs to be cautious of lenders who don't require any documentation or perform any credit rating checks, because they lenders may be engaging in predatory lending practices. Payday loans could be more expensive for borrowers who may have no other available choices for accessing credit, for instance a home equity line of credit or personal unsecured loan. Borrowers should not provide personal or financial information to unsolicited callers or emailers claiming to offer payday cash advances. Some e-transfer payday loans canada 24/7 lenders may need borrowers to provide a copy with their passport or other government-issued identification as a way to approve the money. Borrowers who will be considering a cash advance should be aware of the potential impact on their credit rating and financial well-being, and really should only borrow what they can afford to settle. Some payday lenders might require borrowers to provide a copy of these driver's license or other government-issued identification so that you can approve the credit. Borrowers also needs to be conscious of their rights under state and federal consumer protection laws, which can provide additional protections against predatory lending practices.