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Refer to the documentation provided by your lender when you loan was approved for information about repayment terms and borrower benefits. A soft credit check is when a credit bureau provides sufficient information for a financial company like us to accurately predict potential loan terms. And, as a response, banks have also begun to renew their interest in the personal loan industry. A loan applicant should make an inquiry at the relevant loan department for specific loan conditions. Companies use the credit to pay bills and buy inventory, then pay down the loan balance when they convert inventory and receivables to cash. Payday Lending Statistics What Happens If I Stop Paying Payday Loans