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Top Ten Secrets to Get an Online Payday Loan
Here’s what you need to know to get your personal loan online. When you apply, make a checklist of these 10 secrets. See if you can match as many secrets to maximize your approval or payday loan changes.
1. Apply only on lender matchmaking sites
On the Internet, there are two types of payday loan sites: Direct Lender and Lender Matching. Direct lender sites are run by the actual lender where, as lenders, matchmaking sites collect loan applications and then submit them to numerous lenders on your behalf and match you with the best lender for your situation. Direct lender websites endorse only a small fraction of lender match sites.
2. Apply only in the morning
Your best chance of getting a payday loan online is to apply on a weekday morning. Why is it? Because call centers are full and lenders are hungry for loan applications. If you apply after 4 p.m., many lenders automatically decline loan applications because they cannot completely fill the payday loan due to cut-off hours and call center staffing issues. Always apply for a payday loan online in the morning.
3. Never apply on weekends or holidays
Almost no loan applications are approved on holidays and weekends. This is for the same reasons why you should apply weekday mornings. So if you’re paying bills Sunday night and decide you need a payday loan, it’s best to wait and apply Monday morning.
4. Apply only once per pay period
Many lenders will only review your loan application once per pay period. They will automatically reject your loan application if they have tried to apply for it in the last 2 weeks. The only acceptance of this rule is if you use payday loan websites with lenders to apply. They can usually pre-screen lenders who have tried to provide you with a payday loan online before.
5. Always provide references on the loan application
Many online payday loan applications don’t require references, however, the big secret is that many of the more reputable payday loan companies will rate your loan application higher if you provide references.
6. If you and your spouse are applying for a payday loan separately, you must use separate email addresses.
Many online payday lenders check for fraud by counting how many social security numbers use the same email address to apply for loans. The problem is that married couples often use the same email address. Some will accept 2 social security numbers, some will not. To be sure to work around this problem, ask your spouse and you to apply with different email addresses.
7. Apply for a payday loan during the holidays
The holiday season is the busiest time of year for online payday lenders. They know it, and they’re prepared with extra staff and cash to fund your loan applications. Worst time of year to apply for a payday loan? January. Online payday lenders are busy with holiday hangovers collecting all the money they have loaned out. Many lenders are reducing the number of loan applications they fund in January.
8. If you’ve had a payday loan in the past, go back to the same website to get another one
If you’ve had a payday loan in the past and paid it back, you’re a VIP customer. This means you get special treatment from your previous lender. They always relax the subscription for previous customers who are in good standing. Try not to go to another lender if you fall into this category.
9. If you are military or have benefit income, find a specific website for you
The reality is that 99% of all online payday loan websites will not accept loan applications from military or income earning customers. You will need to search the internet to find an online payday loan website that will be able to specifically meet your needs.
10. Be smart when entering your next 2 payment dates on your loan application
Most online payday lenders will not fund a loan less than 4 business days. So if you get paid weekly or your next payment date is within the next 4 business days, consider applying with your second future payment date as your next payment date. This will increase your changes from being approved.
To apply for a payday loan, please visit https://www.1houronlinecashadvance.com
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