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You’ll get your money instantly — and your item back after you repay the money plus interest, at rates sometimes as high as 200%. However, you have a limited time to retrieve your item, usually up to 30 days. 3. Personal loan with your bank. Turnaround: Same day to one business day;

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Afterpay doesn’t charge interest, but late fees are capped at $8. Afterpay only does a soft credit check when you apply. The app splits your shopping bill into four equal payments — one due at ...

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