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To combat this rampant inflation, the Federal Reserve has hiked interest rates a total of 10 times over the last few months. Although the Fed didn’t raise rates again at its latest meeting, there’s speculation that consumers may face two more rate hikes before the year ends.

That means borrowers can expect higher interest rates and tighter eligibility requirements when it comes to all lending products, including personal loans. This also does not bode well for those looking for payday loans, as these loans already have considerably higher rates than conventional personal loans.