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How To Improve Your Approval Rate For A Payday Loan
By Emma Vasquez
Faxless Payday loans differ from other types of loans in that they do not check your credit history with the three main credit bureaus. They do not look at your monthly outgoings or credit card status. While this means that it is relatively easy to obtain an online payday loan it does not mean that anyone can get it. Reputable lenders, like, will carry out some checks, especially on your work status and checking account status. Lenders that claim otherwise, or who are willing to lend to anyone should be avoided at all costs.

In order to optimize your application you need to keep in mind what payday loans were designed for. They are designed to tide you over until your next paycheck or social security check. Therefore you must have a provable source of income and you must have a Social Security Number. You must have a checking account, in good standing, and this can be with a bank or credit union. You must also be over 18 years old. Because these are online applications you will need an email address. Applications for payday loans are tracked, and multiple applications can result in all applications being denied.

When filling in your online application form, the first rule is always be truthful. This is the most important aspect of increasing your chances of success and will avoid disappointment later on. Remember a fraudulent claim now will not only result in a refusal for the current application, but will affect all future applications you may make.

Lenders for online payday loans need proof of employment. You must have a job, of at least 3 months duration,


and with a take home pay after taxes of at least $800 per month. These work requirements protect you as much as they protect the lender. Because of the private nature of getting a loan, reputable lenders will not divulge information while checking your employment status.

You need a checking account in good standing. This means no overdraft charges, no returned check charges and no negative balance. The lender will require your bank routing number, so when filling in your online form you should have your banking information at hand. The routing number is a nine digit number located at the bottom of your personal checks. This number is needed in order to transfer funds to your accounts. You will also need your drivers license number or State ID number.

For first-time applicants, the online form should not take more than 5 to 10 minutes to fill in, providing you have the above information at hand. Once you are registered with the lender, further applications take even less time to fill in. Providing you tell the truth, fulfill employment and checking account requirements and fill in the required boxes correctly you should have your faxless cash advance the next day in your account.


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This page was updated on Nov 2009 and is Copyright © 2003 by Global Com Consulting Inc.