Loaning money

[BradleyT]

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a sorta-aside question: local money lending places here in Georgia advertise that they will give me a 9% apr on my money...i realize this is because they lend it out for a higher %, but why wouldn't they just get bank loans, etc for less than 9% to use? and is my money really safe being invested somewhere like this?

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I wouldn't think it would be easy for them to go to a bank and get a $100,000 loan just so they could re-loan the money to degenerates with a HUGE default rate.