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These days many Americans look for an online payday loan from a trusted lender. The reason is so they can their cover short financial emergencies or unexpected expenses. Payday loans are one of short term loan solutions available for those who need fast loan. Such loans are called a payday loan because they are due on the or 1 day after the borrower gets his or her paycheck. As a customer, you can take a take a payday loan by going to go to a payday store or you can take it from an online payday loan lenders like Pay1Day. Below are some facts about getting a payday loan from a store or getting one online.
Getting a Payday Loan from a Payday Store
You can of course drive to your local paycheck store to see if they offer payday loans. However some of these stores may not be conveniently located close your home or work. Also payday stores, also referred to as paycheck stores, are often busy places because they offer other type check cashing services, money transfer, and other type of small financial services. So be prepared to wait in the line. Also you must have your picture ID and a second form of identification to prove your identity. You must also take in post dated check, which they will keep and will cash on the day your loan is due. In addition, payday stores probably want you to take your previous paystub(s) to prove you are employed, along with some bills that verifies your current address. Some payday stores may require you to take your bank Statement with you to prove that you have an open checking account. This way they can check your balance history ensuring that you make enough money to pay the loan back. In addition to all these, unlike popular belief, payday stores may approve you for a payday loan right away. They may call your bank, your employer, and may require you to fax in more information. And as we said before, many of these payday stores are also check cashing stores so there may be a line or processing time that you will need to wait.
Instant Payday Loan Approval
Another great advantage of taking an online payday loan is that in most cases you will get an instant online approval. That way you know if you were approved and, in most cases, how much you were approved for in just a few minutes. Just make sure you enter all of your information correctly, one of the main reasons instant approvals aren't possible is because customers enter their information incorrectly.
No Credit Check Payday Loans
If you have bad credit or less than perfect credit, then payday loans are one of your few options. Most payday lenders don't check your credit as long as you can prove you can pay back the loan by proving you have a stable job with stable income and a fixed pay day. Most lenders require you to have a full time job, steady paycheck dates, and you make at least three times the amount of what you are asking to borrow each month net. For example, if you are asking for a $500 loan, then most lenders would like you make $1500 net a month. But if you make less than that, don't be discouraged, still apply for a pay day loan as some lenders, like us, like to make exception for first time customers or good returning customers.
No Faxing Payday Loans
If you apply for a payday loan with a pay day lender that offer the loans directly, and you entered all your employment information correctly, along with your bank account and your paycheck amount, and it can all be verified online, then there is no faxing required. A fax less payday loan is a much faster loan, so make sure you enter all necessary information correctly on the online payday application.
Remember when it comes to applying for a payday loan, You do have to wait in line for 1 hour or more. You can get fast, cheap and affordable payday loans from a Pay1Day that is a direct payday lender and have approval almost instantly.
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