I tried to sum up all the things
that people usually want from payday loans - guaranteed approval, bad credit
being OK and not having to fax documents anywhere. Getting a cash advance
really fast with bad credit and without having to fax documents is actually
very common and relatively easy these days. It is the guaranteed approval part
which is slightly tricky. This is because no legitimate company will actually
offer guaranteed approval under all possible circumstances. There are, however,
many companies with clear, simple guidelines about who they lend to, and
provided you meet a few very basic criteria, you are to all intents and
purposes guaranteed approval.
Once you are armed with a list of
the best payday lenders and you know what it is they will need in order to lend
money, you can be pretty sure about whether you will be approved or not before
you apply. Bad credit is not a problem because there are many companies who do
not check your credit at all. They do not need to, because getting their money
back does not depend on the things that a credit rating will tell them about.
What they really want to know is that you have a source of income and a means
to pay them back quickly and on time. What this comes down to is being between
18 and 65, having a job and a bank account.
Payday lending is commonplace in the
US, but is a relatively recent development in the UK. One thing that can
prevent you being accepted for a loan in the US is not being eligible because
of where you live. In the UK this is not an issue, but in the US, state laws
apply, and some states have prohibited or restricted payday lending. It is
worth checking this before you start applying.
To be virtually guaranteed approval
for a payday loan you should have a steady job that you have preferably had for
about six months or more, and be earning at least $1,000 or £750 per month. If
you are also between18 and 65 and have a checking account (current account in
UK) with a bank, you should get a loan if you approach one of the good lenders.
Getting an online loan is a
surprisingly quick and easy thing to do now that we have online applications.
This does, however, throw up another unnecessary and silly reason that a
surprising number of people do not get loans. If you do not fill in the
application form fully and accurately, you can be refused a loan. This is a
pointless reason to be rejected, so take time to fill in the form correctly.
Have your last bank statement, cheque book, employment details, etc ready for
when you apply.
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