Police allege the woman targeted the elderly men and gained their sympathy to obtain money which she said she would repay.
The friendships were not romantic or sexual in nature.
The men, ranging in age from 76 to 84, went to police after their families found out what had happened and the men realized the loans would not be repaid.
Wendy Curran, who is 43, is charged with three counts of fraud.
She is to appear in court June 21.
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