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Applying for a direct payday lenders no third party would help you save a lot of cash which would otherwise be spent on paying very high interest rates. Before applying for a payday loan it is always advisable to know the terms and conditions, especially with regards to the interest rate and the payment terms and patterns. It would be very nice if payday loans can appear with very low rate of interest. Yes, you would be surprised to know the fact that payday loans do come with a low rate of interest when applied through a direct lender. This is possible due to the reason that they have a direct contact with the borrowers and not through any other sources. It is always better to avoid these third parties or the brokers who are also otherwise known as loan sharks. These brokers get paid for every lead that is produced to the lender by them. Ultimately all these costs have to be borne by the end user or the borrower.