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Anyone know what a payday loan would be classifed under? is it:
Written Contract: You agree to pay off your loan in a written document, which has been signed by your creditor and yourself.
or
Promissory Note: You agree to pay off your loan in a written document including the scheduled payments and interest on the loan too. A mortgage is a good example of a promissory note.
I might depend on the state you are in. WA has specific laws on payday loans.