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Unless the payments on the new loan would be substantially smaller than payment on the prior loan or the new loan would substantially lower the cost of credit, the consumer would be presumed not to be able to afford the new loan unless the lender concluded that the borrower's financial capacity had improved sufficiently in the preceding 30 days, advance me today payday loan in 24572.

Code § 23036, Del.
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It is almost always better to pay the fee than to pay a high interest rate on your existing credit card.