Quite a few times that I had to go in to pay back on a small loan, their systems were down and they had to ask me to come back later. That was a scary dilemma to deal with because if it happens on the due date of your loan repayment, there is a potential that you could be slapped with a late fee. Of course, the employees make an effort to keep note of who attempted to pay when the system was down, but there is still a risk.
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