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Mini text loans, also known as text payday loans or SMS loans, are a type of short-term, high-interest loan that can be obtained by sending a text message to a lender. These loans are typically for small amounts, usually between £100 and £500, and are intended to be repaid within a few weeks or months. The process of obtaining a mini text loan is relatively simple. The borrower sends a text message to the lender, providing their name, address, and the amount of money they wish to borrow. The lender will then carry out a credit check and, if approved, will transfer the funds to the borrower's bank account. The borrower is typically required to repay the loan, along with any interest and fees, on their next payday. Mini text loans are intended for individuals who need money quickly and cannot wait until their next payday. They are often used to cover unexpected expenses, such as car repairs, medical bills, or emergency travel. They can also be used to pay for everyday expenses, such