Top Ten Secrets to Get an Online Payday Loan


Here’s what you need to know to get your online payday loan. When you apply, make a checklist of these 10 secrets. See if you can match up with so many secrets to maximize your changes on approval or payday loan.

1. Apply only at lending compatible websites

There are two types of payday loan sites on the Internet: Direct Lender and Lender. Direct Lender sites are run by the actual lender where as lender matching websites collect loan applications and then submit them to many lenders on your behalf and match you with the best lender for your situation. Website Lenders Lenders only approve a small fraction of lenders compatible websites approve.

2. Apply only in the morning

Your best chance of getting an online payday loan is to apply on a weekday morning. Why is this? Because the call centers are fully employed, and the lenders are hungry for loan applications. If you apply after 4 p.m., many lenders will automatically turn down loan applications because they are unable to fill out the payday loan due to time constraints and problems with calling a call center. Always apply for online payday loans in the morning.

3. Never apply on weekends or holidays

Almost no loan applications are approved during holidays and weekends. This is for the same reasons why you should apply on weekday mornings. So if you pay bills on Sunday evening and you decide you need a payday loan, it’s best to wait and apply on Monday morning.

4. Only apply once for a pay period

Many lenders will look at your loan application only once for a pay period. They will automatically reject your loan application if they have tried to register it in the last 2 weeks. The only acceptance to this rule is if you use lenders compatible with online loan websites to apply. They can usually prescribe lenders who have already tried to give you an online payday loan.

5. Always provide references on the loan application

Many online payday loan applications do not require referrals, however the big secret is many of the most reputable payday loan companies will further increase your loan application if you provide referrals.

6. If you and your spouse apply separately for payday loans, you must use separate email addresses

Many online loan lenders check fraud by calculating 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, others will not. To be sure to get around this issue, have you and your spouse apply through different email addresses.

7. Apply for payday loans during the holiday season

The holiday season is the busiest time of the year for online lenders. They know this fact, and they are ready with extra staff and money to fund your loan applications. The worst year to apply for or a payday loan? January. Online payday lenders are busy with the holiday time to raise all the money they have lent. Many of the lenders are reducing the number of loan applications they finance during January.

8. If you previously had a payday loan, go back to the same website to get another one

If you previously had a payday loan and paid it off, you are a VIP customer. That means you get special treatment from your previous lender. They always relax insurance for previous customers in good condition. Try not to go to another lender if you are eligible for this category.

9. If you are at war or have an advantageous income, find a website specific to you

The reality is that 99% of all online payday loan websites will not accept military loan applications or benefit income 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 ready by entering your next 2 salary dates in your loan application

Most online lenders will not finance a loan for less than 4 business days. So if you will be paid weekly or your next pay date is within the next 4 business days, consider applying with your second future pay date as your next pay date. This will increase your approval changes.

To apply for a payday loan, please visit



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