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APPLETON, Wis. — This city of 70,000 has five McDonald’s franchises, three Pizza Huts, four Starbucks stores — and 19 cash advance shops, brightly lighted storefronts with names like EZ Money and Check towards money that provide two-week loans without credit checks.

Peggy Truckey, 53, understands the attraction. Final she owed nearly $1,300 to four of those stores, and was paying about $600 a month in finance fees alone year. (more…)