Payday loans are another type of loan marketed for people with bad credit. The loan amounts are usually small and the terms are short, but interest rates and additional fees can be exceptionally high. If you are unable to repay the loan in full by the end of the term, which is typically your next payday, the loan is usually extended and additional financing charges are added.
Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Consent to Auto-dialed Marketing Calls and Text Messages. By checking the "I AGREE" box, you authorize Cash Cow (or its agents), to make telemarketing calls and send marketing text messages to your telephone number listed above using an automatic telephone dialing system on a recurring basis. Signing this consent is not a condition of purchasing property, goods or services through us. If you do not wish to receive sales or marketing calls or texts from us, you should not check the "I AGREE" box. You understand that any messages we leave for you may be accessed by anyone with access to your voicemail or texts. You understand that your mobile phone service provider may charge you fees for calls made or texts sent to you, and you agree that we will have no liability for the cost of any such calls or texts. At any time, you may withdraw your consent to receive marketing calls and text messages by calling us at 800-922-8803, emailing us at webquestions@clacorp.com, or by other reasonable means. Alternatively, to stop marketing text messages, simply reply “STOP” to any marketing text message that we send you.

After you have received the funds, you need to refer to the Check Advance Agreement and confirm the due date. The next step is to visit the payments section and set up payments. Payments will be automatically withdrawn from the client’s checking account. If you run into trouble, the Mypaydayloan.com staff is there to help you get back on your feet.  They will send payment reminders before the payment is due and they will always work with you if you need more time to pay.

This reinforces the findings of the U.S. Federal Deposit Insurance Corporation (FDIC) study from 2011 which found black and Hispanic families, recent immigrants, and single parents were more likely to use payday loans. In addition, their reasons for using these products were not as suggested by the payday industry for one time expenses, but to meet normal recurring obligations.[15]


Need some more clarification on the loan process and what a payday loan will mean for you? Of course you do! We are committed to educating our Customers on our products and are here to help answer any questions you have. Take a look at the list below of our most frequently asked questions. Don’t see what you’re looking for on this quick list? View the extended FAQ page, give us a call, or hop into a store, and we’ll be sure to give you the fast and friendly service you are looking for!
In a perfect world, you could rely on a credit card to cover emergency expenses. But, as you might have already guessed, most Americans don’t have that kind of available credit on hand to use either. In fact, according to a Harvard University study, nearly 40 percent of households making less than $40,000 a year have no credit cards at all.2 And one in ten Americans have no credit score whatsoever!3
Financer.com ("we") is not a lender, a financial advisor or any kind of financial institution. We simply compare financial products and services to help users save money and time. We are not responsible for incorrect information or inaccuracy of interest rates, company information or any other data - responsibility therefore falls on the customer to always check that the information is correct before using a service.
Payday lenders generally do not report to the three main credit reporting bureaus — Equifax, Experian and TransUnion, so taking out one of these loans is unlikely to positively or negatively affect your credit score unless you have trouble with your repayments. Keeping that in mind, sometimes payday lenders send your repayment information to smaller credit reporting agencies, so that information can still be accessed by mainstream banks and lenders.
Payday loans, sometimes referred to as cash advance loans, have received quite a bit of bad press, but when used properly, a pay day loan can have a definite upside. A short term financial bind can happen to a lot of people and being able to get a small loan quickly can save you money by avoiding costly late fees or overdraft charges. Sure, $50 is a steep price to pay for a $300 payday loan, but if it means you are able to get your rent check, house payment, or car payment in on time and avoid the hefty late fees and possible damage to your credit score, it is more than worth it.

Same Day Loans Payday online service always encourages its customers to have a good credit score. Your score is always so difficult to build and it is extremely easy to ruin. But you can get personal loans even if you have a less-than-perfect credit. We can’t be sure that we will find you the best payday loans lender, but we’ll try to help you in a difficult money situation. Always try to improve your credit score, but if you need to use best same day pay day loans online, just use our help.
How long does it take to process the loan? Some of the best short-term loans ensure that you have access to the approved funds the following business day. A limited number of lenders provide prepaid debit card loans which can give you access to funds quickly after approval by transferring the amount to your eligible card. You can then use the money anytime and anywhere.

Borrowers with checking accounts and a steady source of income can quickly and conveniently borrow from $200 to $1,500. Payments are debited from the borrowers' checking accounts based on their payday schedules. SuperPawn continually add services to help make the lives of their customers easier. Pre-paid debit cards, check cashing, and money orders are only a few of the services offered at many SuperPawn locations. Check with the store nearest you.
As for the banking details, you need to know your next payday date, ABA/Routing, and the Account number. To get a loan same day you do not need to have the answers to pile of questions. Just some basic information to get the process of your next day loans started. Before submitting your payday loans online form, make sure you have filled in everything right. 

How have Cash America International and the SuperPawn brand been able to grow so quickly into one of the nation's most widely recognized and respected collateralized loan specialists? SuperPawn places an emphasis on making its customers comfortable with its services. Company locations are large and well lit with friendly, knowledgeable loan consultants. SuperPawn was the first company of its kind to institute a training system for all its employees. They can explain the procedure for pawning an item to any first-time borrower. Customers who may not be familiar with the collateralized loan process can also visit the SuperPawn website (http://www.superpawn.com/) for a detailed explanation of what to expect and what they will need to bring with them.
Lauren Fix, also called The Car Coach, is an automotive and auto finance expert. Her understanding of vehicles has made her the “go to” person on TV, radio, print media and the Internet. She has authored multiple books and writes a column for several outlets, including Parade Magazine, NewsMax and Car Coach Reports. She is a regular guest on major news and morning shows, discussing the latest updates on cars and car financing that will help drivers make smart decisions when buying, maintaining and financing cars.
Income tax refund anticipation loans are not technically payday loans (because they are repayable upon receipt of the borrower's income tax refund, not at his next payday), but they have similar credit and cost characteristics. A car title loan is secured by the borrower's car, but are available only to borrowers who hold clear title (i.e., no other loans) to a vehicle. The maximum amount of the loan is some fraction of the resale value of the car. A similar credit facility seen in the UK is a logbook loan secured against a car's logbook, which the lender retains.[92] These loans may be available on slightly better terms than an unsecured payday loan, since they are less risky to the lender. If the borrower defaults, then the lender can attempt to recover costs by repossessing and reselling the car.
These arguments are countered in two ways. First, the history of borrowers turning to illegal or dangerous sources of credit seems to have little basis in fact according to Robert Mayer's 2012 "Loan Sharks, Interest-Rate Caps, and Deregulation".[41] Outside of specific contexts, interest rates caps had the effect of allowing small loans in most areas without an increase of "loan sharking". Next, since 80% of payday borrowers will roll their loan over at least one time [11] because their income prevents them from paying the principal within the repayment period, they often report turning to friends or family members to help repay the loan [42] according to a 2012 report from the Center for Financial Services Innovation. In addition, there appears to be no evidence of unmet demand for small dollar credit in states which prohibit or strictly limit payday lending.
That’s all it takes! Most people are able to complete the application for an online payday loan within just a few minutes. Lending decisions are made promptly, ensuring you do not have to spend a lot of time wondering and worrying about your approval; if your loan is approved, you could have the funds deposited into your account within just a few hours.
A payday loan is a very short-term loan option that you usually repay all at once when you get your next paycheck. About 1 in 8 Oklahomans have taken out a payday loan in the past. Since so many people use this type of small loan, we wanted to know more about payday lenders. We looked at over 300 reviews and researched payday lenders to learn about interest rates, the application process and customer service.
While having a co-signer can boost your chances of a loan with more favorable terms and rates, there are drawbacks. These include potentially damaging the personal relationship with the co-signer as well as their credit if you default on the loan. Co-signers and borrowers should understand the terms of the loan and repercussions before taking out a loan. 

As a LendUp borrower, you get a personalized dashboard with your loan details laid out clearly. You can log in at any time to see your loan balance or track recent payments. That puts control of your loan in your hands. If you see anything that raises a question, a quick email to customer support can get you an answer. At LendUp, loans are all about your convenience.
With a title loan, the amount you qualify for depends on an assessment of your car’s value. Loans range from a few hundred dollars to $10,000. A standard title loan is due in full after 30 days. This includes the finance charge, which can be as much as $125 for a $500 loan – that means you’ll pay $625 total when the loan is due. According to the Pew Charitable Trust, the average APR on title loans is around 300%.
If you’re looking for a quick and easy way to get the cash you need, Texas Car Title & Payday Loan Services, Inc. offers Lone Star residents with title, payday and signature installment loan options to choose from in several store locations across the state. If you’ve been hit with the stress of a last-minute expense, Texas Car Title & Payday Loan Services, Inc. could help you find some relief.

Instead of getting a payday loan, you can apply for a line of credit, a service Speedy Cash offers in select states. A line of credit differs from a payday or installment loan in that you only pay interest on the amount you use, not the total you’re eligible to borrow. Like payday loans, the fees you pay on a line of credit vary from state to state – depending on the regulations in your state, you can end up paying as little as $13 or as much as $22 for every $100 you borrow. An advantage of a line of credit is you only draw the money you need and only pay back what you borrow, which gives you some flexibility.
The main reason why payday loans are popular is because they’re ridiculously easy to qualify for, but signature loans are just as easy to qualify for. Just like payday loans, your credit score & history isn’t a major factor and your approval is based on your ability to pay back the loan. That’s one reason why they’re called signature loans, all you need to qualify is a signature.

Lauren Fix, also called The Car Coach, is an automotive and auto finance expert. Her understanding of vehicles has made her the “go to” person on TV, radio, print media and the Internet. She has authored multiple books and writes a column for several outlets, including Parade Magazine, NewsMax and Car Coach Reports. She is a regular guest on major news and morning shows, discussing the latest updates on cars and car financing that will help drivers make smart decisions when buying, maintaining and financing cars.
The best online payday lenders make it convenient to apply from your phone or computer. Applying online saves you the trouble of finding a location and any embarrassment you might feel about requesting a payday loan in person. One drawback of online payday loans is you don’t get your money immediately – you usually have to wait one or two business days for the money to deposit in your account. So if you apply on the weekend, you won’t get the money until the following Monday. If you need immediate cash, you’re better off going to a lender with a physical location.
Hummingbird Funds, LLC is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by, the Lac Courte Oreilles Band of Lake Superior Chippewa Indians (the “Tribe”), a federally-recognized sovereign American Indian Tribe. This means that the Hummingbird Funds’ installment loan products are provided by a sovereign government and the proceeds of our business fund governmental services for Tribe citizens. This also means that Hummingbird Funds is not subject to suit or service of process. Rather, Hummingbird Funds is regulated by the Tribe. If you do business with Hummingbird Funds, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in Hummingbird Funds’ contracts, these forums include informal, but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, Hummingbird Funds is not subject to suit or service of process. Neither Hummingbird Funds nor the Tribe has waived its sovereign immunity in connection with any claims relative to use of this mobile site. If you are not comfortable doing business with a sovereign instrumentality that cannot be sued in court, you should discontinue use of this website.
We recommend exploring alternatives before getting a payday loan. These are expensive loans with high fees, and they can catch you up in a cycle of taking out new loans to pay off previous ones. Each state regulates payday loans differently – some outright ban them. As such, depending on where you live, the costs vary widely. With this in mind, our pick for the top payday lender is Check Into Cash. It is the most broadly available lender, with stores and online loans available in 32 states. It offers a variety of payday loans, installment loans and lines of credit.
You should obtain a copy of your credit report before applying for any type of new credit. You’ll want to make sure there are no errors on your report before you start applying for a personal loan. If there are errors, fixing them can improve your credit score, allowing you to qualify for better interest rates. You can get a copy of your credit report from each of the three major credit bureaus once a year for free at AnnualCreditReport.com.
These lender-matching services are not lenders, loan brokers or agents for any lender or loan broker. They also do not make credit decisions. They focus on trying to match you with a lender that might be able to provide you the funds you seek. Note that the max loan amount is based on the matching services max amount and will vary based on your state of residence. If you proceed with one of these services, confirm that the lender is reputable by checking with your local government.
With a title loan, the amount you qualify for depends on an assessment of your car’s value. Loans range from a few hundred dollars to $10,000. A standard title loan is due in full after 30 days. This includes the finance charge, which can be as much as $125 for a $500 loan – that means you’ll pay $625 total when the loan is due. According to the Pew Charitable Trust, the average APR on title loans is around 300%. 

Payday loans are meant to be short-term, unsecured loans. They are based on a pre-set automatic withdrawal from your bank account or a check held by the loan company for future deposit on a specific date. Borrowers either write a check to the lender or promise to pay back the amount borrowed, plus interest and any fees. Some companies will allow in-store payday loan customers to repay in cash at the store, in exchange for their post-dated check.
Twelve million Americans use payday loans every year, according to the Pew Charitable Trusts. Generally anyone with a checking account and steady income can obtain a payday loan. However, it is most common for borrowers who don’t have access to credit cards or savings accounts to use this type of loan. “Payday loans for bad credit” are attractive to people with no credit or credit problems.
A. Yes. LendUp.com is an online lender, so you're welcome to apply for a payday advance through our website 24/7. If you're approved for a loan before 5 p.m., money could be deposited in your account in as little as one business day. If you're approved for a loan after 5 p.m., or on weekends or holidays, it can take a little longer to receive your funds.
Instead of getting a payday loan, you can apply for a line of credit, a service Speedy Cash offers in select states. A line of credit differs from a payday or installment loan in that you only pay interest on the amount you use, not the total you’re eligible to borrow. Like payday loans, the fees you pay on a line of credit vary from state to state – depending on the regulations in your state, you can end up paying as little as $13 or as much as $22 for every $100 you borrow. An advantage of a line of credit is you only draw the money you need and only pay back what you borrow, which gives you some flexibility.
Many payday lenders offer loans through online portals, including CashNetUSA. Getting a loan online offers some advantages over visiting a retail location: There are no lines and no travel, and you can get a loan if you live somewhere that doesn’t have payday loan locations nearby. With loans available in 28 states and rates that compare favorably with other payday lenders, CashNetUSA is a good place to consider.
If you are late on a payment, you usually have to pay a late fee. Lenders may allow a grace period of 10 or 15 days before they charge a late fee. Typical late fees range from $15 to $30, with some lenders charging 5 percent of your monthly loan amount or $15, whichever is greater. Some personal loan lenders do not have late fees. The fees for a returned payment and/or to process a check can be up to $15. 

“When you apply for a personal loan, the creditor will check your credit report to help them determine whether you will repay the debt,” says Rod Griffin, director of public education for Experian, one of the three major credit bureaus. “Your credit history and credit scores help lenders predict the likelihood a person will repay a debt as agreed upon.”
With alternative payday loans, you may have the option to refinance your loan if you’re making payments consistently on time. Refinancing your loan could lower your interest rate and help you save on the overall amount of the interest paid on the loan. You can also extend the length of the loan, which would lower your monthly payments but result in paying more in overall interest.
These arguments are countered in two ways. First, the history of borrowers turning to illegal or dangerous sources of credit seems to have little basis in fact according to Robert Mayer's 2012 "Loan Sharks, Interest-Rate Caps, and Deregulation".[41] Outside of specific contexts, interest rates caps had the effect of allowing small loans in most areas without an increase of "loan sharking". Next, since 80% of payday borrowers will roll their loan over at least one time [11] because their income prevents them from paying the principal within the repayment period, they often report turning to friends or family members to help repay the loan [42] according to a 2012 report from the Center for Financial Services Innovation. In addition, there appears to be no evidence of unmet demand for small dollar credit in states which prohibit or strictly limit payday lending.
Payday loans are another type of loan marketed for people with bad credit. The loan amounts are usually small and the terms are short, but interest rates and additional fees can be exceptionally high. If you are unable to repay the loan in full by the end of the term, which is typically your next payday, the loan is usually extended and additional financing charges are added.
Payday lenders generally do not report to the three main credit reporting bureaus — Equifax, Experian and TransUnion, so taking out one of these loans is unlikely to positively or negatively affect your credit score unless you have trouble with your repayments. Keeping that in mind, sometimes payday lenders send your repayment information to smaller credit reporting agencies, so that information can still be accessed by mainstream banks and lenders.
States have varying regulations in place to protect consumers when it comes to short-term loans. Payday loans are illegal in some state, while other states regulate or restrict them. Lenders, online or otherwise, must comply with these regulations when they consider you for a loan, so the state you live in will play a part in whether you are eligible.
Payday loans are legal in 27 states, and 9 others allows some form of short term storefront lending with restrictions. The remaining 14 and the District of Columbia forbid the practice.[64] The annual percentage rate (APR) is also limited in some jurisdictions to prevent usury.[65] And in some states, there are laws limiting the number of loans a borrower can take at a single time.

In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.
We recommend exploring alternatives before getting a payday loan. These are expensive loans with high fees, and they can catch you up in a cycle of taking out new loans to pay off previous ones. Each state regulates payday loans differently – some outright ban them. As such, depending on where you live, the costs vary widely. With this in mind, our pick for the top payday lender is Check Into Cash. It is the most broadly available lender, with stores and online loans available in 32 states. It offers a variety of payday loans, installment loans and lines of credit.
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There are many terms for this kind of credit — payday loans, cash advance loans, check advance loans, deferred deposit loans or post-dated check loans — which you can get from a variety of sources. Whether you walk into a payday lender’s store or apply online, the process is basically the same: You provide some personal and financial information, request a loan for a certain dollar amount (secured by check or bank account debit authorization), pay a fee for the loan and receive the cash or deposit into your bank account.


When you borrow from Blue Trust Loans, you’ll receive the funds you need and will be able to pay your loan back in installments, rather than in full. You can borrow up to $2,000, and the application process is quick and simple. Just go on the website and complete the application. You will be asked some personal information as well as information about your employment and income and your bank account, which is required to deliver your funds. A representative will call and verify information, and if you are approved funds can be deposited into your account as soon as the next business day. To qualify for a loan with Blue Trust, you need to be at least 18 years of age, and you need to be a citizen of the country. You also need to have a steady job, so the company will feel confident that you can repay the loan. You cannot be involved in bankruptcy proceedings or intend to file for bankruptcy. Blue Trust places other limitations and follows the Texas lending laws, such as the Military Lending Act.
A bad credit personal loan is a type of personal loan that is marketed to people with bad credit. People normally get bad credit personal loans for debt consolidation, to pay off unexpected expenses, make a large purchase, or to fix a home or car. Bad credit usually is a FICO score below 640. FICO is the main scoring system for consumer credit, with credit score ranges defined as:
Advertising Disclosure: TheSimpleDollar.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. TheSimpleDollar.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.
Depending on the lender, you should receive your funds within a few days, though it could vary from one business day up to several weeks. Funds will typically be deposited into the checking account you specify during the loan process, and they can then be withdrawn as cash, spent via your bank card, or used to make payments and purchases online like any other funds.
Payday loans are unsecured personal loans targeted at people who need money fast but don’t possess the type of credit or collateral required for a more traditional loan. Usually the only requirements to qualify for a payday loan are an active bank account and a job. Companies like MaxLend, RISE Credit, and CashMax have made an art out of providing high-interest loans to people who feel desperate and out of options.
Though regulated at the state and federal level, there are still payday lenders that attempt to skirt the rules. Some are online-only lenders based in other countries. Other lenders work around state laws by operating out of Native American reservations. Be wary of brokers that offer to connect you with lending partners – this can result in a lot of calls and emails about offers.
Some alternative payday loan companies market themselves as more socially responsible than traditional payday lenders because they offer better terms. They also want to help consumers rebuild their shaky credit and make payments on time. For instance, LendUp provides financial education and rewards existing borrowers who repay their loans to be eligible for loans at larger amounts and lower rates. Fig Loans only charges fees to cover the costs of the loan.
Twelve million Americans use payday loans every year, according to the Pew Charitable Trusts. Generally anyone with a checking account and steady income can obtain a payday loan. However, it is most common for borrowers who don’t have access to credit cards or savings accounts to use this type of loan. “Payday loans for bad credit” are attractive to people with no credit or credit problems.
In a perfect world, you could rely on a credit card to cover emergency expenses. But, as you might have already guessed, most Americans don’t have that kind of available credit on hand to use either. In fact, according to a Harvard University study, nearly 40 percent of households making less than $40,000 a year have no credit cards at all.2 And one in ten Americans have no credit score whatsoever!3
For many people in Dallas who have borrowed from payday loan lenders, repaying their debt takes most of their paycheck. You can take your paycheck back with installment loans from Blue Trust to get you out of your financial bind. Simply go online to apply for a loan at Blue Trust today and once approved, you can get the funds as soon as the next business day. These loans are a better alternative to payday loans, and they could get you back on track with your finances. Apply today! 

Consumer advocates and other experts[who?] argue, however, that payday loans appear to exist in a classic market failure. In a perfect market of competing sellers and buyers seeking to trade in a rational manner, pricing fluctuates based on the capacity of the market. Payday lenders have no incentive to price their loans competitively since loans are not capable of being patented. Thus, if a lender chooses to innovate and reduce cost to borrowers in order to secure a larger share of the market the competing lenders will instantly do the same, negating the effect. For this reason, among others, all lenders in the payday marketplace charge at or very near the maximum fees and rates allowed by local law.[25]
Advertising Disclosure: TheSimpleDollar.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. TheSimpleDollar.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.
Depending on the state you live in, you may be able to obtain an installment loan or a line of credit. Snappy Payday Loans specializes in arranging payday loans online. However we also understand your need for more flexible payment terms than a traditional online payday advance. That's why we also arrange for installment loans and lines of credit with trusted lenders. You can borrow more and get more payment terms too! See our cash advance page for more details!

Our request process for online payday loans is simple and easy. You just have to submit this request form by entering all the required information. If your request is approved, money will be directly transferred into your bank account. Our online payday loan request form is secure and confidential. Your personal information is kept safe with strong SSL encryption.

Many of the lenders in our network stick with in-house debt collection practices rather than selling your debt to an outside collection agency, and they will never sue you or threaten criminal charges against you. Your lender may attempt to collect your debt via email, postal mail, telephone, or text message, and they may offer you a settlement so that you can repay your debt over time. All of our lenders are required to adhere to the Fair Debt Collection Practices Act which protects you from harassment. You can contact your lender for more information about its specific policies.
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