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The companies below that offer payday and short-term loans between R1,000 and R8,000 are similar to Wonga. Payday loans, along with other short term, unsecured personal loans where the APR (annual percentage rate) is 100% or higher are defined as “high-cost short-term. If two DNA molecules have matching ends, they can be joined by the enzyme DNA ligase. Decisions, customers are promised, are made within six minutes, with money wired direct to their accounts in fifteen. 3. Read. 3bn. za. Wherever you choose to access your quick loan, be sure you’re familiar with exactly when you’re expected to repay. They may also try to hide the authorisation amount as a photo. Wonga Loan Alternatives. There's nothing wrong with that. For example, if you buy goods for £100 on a debit card, and ask for £20 cash back, the extra £20 is. The very first is that, like many financial institutions, Wonga utilizes assets rating when reaching loaning alternatives. In this. 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