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Online Loans That Are Not Payday Loans You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. Long Term Loans Online Shop for the credit offer with the lowest cost. Compare the APR and the finance charge, which includes loan fees, interest and other credit costs. You are looking for the lowest APR. Military personnel have special protections against super-high fees or rates, and all consumers in some states and the District of Columbia have some protections dealing with limits on rates. Even with these protections, payday loans can be expensive, particularly if you roll-over the loan and are responsible for paying additional fees. Other credit offers may come with lower rates and costs.
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