Easy Online Payday Loans For Bad Credit

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What Qualifies You to Avail a Payday Loan?

The world we live today consists of various problems that affect the livelihood of thousands. Bankruptcies of jobs-providing industries are happening even in countries with stable economies. Shut-downs have increased the number of jobless people and this has created a domino effect on the ground. Hardest hit by this catastrophe are the working class whose meager income is being eaten up by spiraling costs of products. The problem exacerbates when unemployment abounds because of the massive lay offs or closing down of many businesses. But during these financial troubles, there are businesses that see an opportunity. The business offering short term loans to help those who are in direct financial trouble. One kind of credit extension is a payday loan. This loan processing venture has caught the patronage of many borrowers, notably among poor communities.

This kind of personal loan is simple to avail. Those who have computers at home and are hooked to the internet can apply for this loan without leaving their homes. The first thing you have to do is to search for payday loan lenders on the Internet and prepare a list together with their respective terms and conditions and other relevant data that you may need in making a comparison. Study the list you have made and decide which among these lenders you will apply for a payday loan. Please, take note that the payday loan websites are either direct lenders or brokers. These two are different companies that are both offering the same payday loan services. However, the latter is an agent of the former and for that reason your application will definitelytake longer to be approved. At any rate, focus your attention to the requirements first.

The requirements

Your efforts and expectations will be in vain if you fail to meet or even fully comply with the requirements. In studying which lending company you will apply with, see to it that the documentation that they require is within your ability to provide. You will just waste your time accomplishing the application form if one of its requirements can’t be satisfied. While there are variances on the documentary and information required by payday loan lenders, normally they have similar information needed to be filled up in their application forms. In the US and the UK, the following information is required to be supplied by the applicant-borrower.

  • Age – the borrower should not be less than eighteen years old at the date of filing.
  • Residence – the residential address you declared must be existing and verifiable.
  • Citizenship status – you must be a citizen of the country at the time of your application.
  • Proof of employment – you must be employed for the last 90 days and possess the proof that you are employed. Contact numbers of your employer are sometimes required or a copy of your employment record or pay slip. Some lenders accept applications from unemployed provided they can show proof of steady or regular sources of income.
  • A valid phone number – the phone number you provided must be in service.
  • An email address – this must be valid and existing if required.
  • Bank account –  you need to have an active bank account where the proceeds of the payday loan can be electronically credited. If the bank account you supplied in your application form is inactive, you will encounter problems when your payday loan is deposited to said account. This is your lookout, be sure it is in active status.

How much is the payday loan principal and interest

In the United States, it varies according to limitations imposed by the specific states where you apply for the payday loans. Normally, the amount is at $300 minimum to a maximum of $1,000. While in the UK, lenders of payday loans are offering their services from 500-2000 pounds sterling. The annual percentage interest or APR in the United States is between 36% (for military personnel) to 460% like in California. The APR varies on a state to state basis. In comparison, the APR in the UK has no limits. There are lenders who charge 2,214% in APR. But despite this seeming negative feature, payday loans are still frequently availed in both highly developed countries mentioned.

If you are a citizen of any of these two nations, the choice of the payday loan lenders is in your hands. See to it that you have made a careful study before submitting that application form with a simple click of your mouse.


Payday loans are legal in: Alabama (AL), Alaska (AK), California (CA), Colorado (CO), Delaware (DE), Florida (FL), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana, Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Dakota, Oklahoma (OK), Oregon (OR), Rhode Island (RI), South Carolina (SC), South Dakota (ND), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), Wyoming (WY).

Payday loans are illegal in the following states: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC).

Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000


Representative APR 391%
Example: You borrow $100 for two weeks. Lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.
Implications of Non-Payment:
Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. None payment of a payday loan might negatively effect your credit history.
Consumer Notice:
A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations that may be applicable to cash advances, possible loan alternatives and recent developments in their state.
Legal Disclaimer:
This website does not constitute an offer or solicitation to lend. We are not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this web site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Our provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. We are aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. We do not endorse any particular service provider, lender, nor loan product. You are under no obligation to use Our service to initiate contact, nor apply for credit or any loan product with any service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use our service. Learn more on our Rates and Fees section.
Residents of some states may not be eligible for a short term cash loan based upon lender requirements. We do not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.