Can You Finance A Car With No Social Security Number Top Ten Secrets to Get an Online Payday Loan

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Top Ten Secrets to Get an Online Payday Loan

Here’s what you need to know about getting your payday loan online. When you’re applying, make a checklist of these 10 secrets. See if you can match as many secrets to maximize your approval changes or a payday loan.

1. Apply only on lender matching sites

There are two types of payday loan sites on the internet: Direct Lender and Lender Matching. Direct lender sites are operated by the actual lender, where lender matching sites collect loan applications and then send them to many lenders on your behalf and match you with the best lender for your situation. Direct lender websites only approve a small fraction of lender matching sites.

2. Apply only in the mornings

Your best chance of getting an online payday loan is to apply on a weekday morning. Why this? Because call centers are fully staffed and lenders are hungry for loan applications. If you apply after 4pm, many lenders automatically deny loan applications because they cannot cover the payday loan in full due to cut off hours and call center staffing issues. Always apply for online loans in the mornings.

3. Never apply on weekends or holidays

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

4. Only applies once per payment period

Many lenders will only look at your loan application once per pay period. They will automatically reject your loan application if they have tried to sign it in the last 2 weeks. The only acceptance of this rule is if you are using the lender’s payday loan websites to apply. They can usually pre-verify lenders who have already tried to offer you an online payday loan.

5. Always provide references on the loan application

Many online loan applications do not require references, but the big secret is that many of the most reputable payday loan companies will score higher on your loan application if you provide references.

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

Many online payday loan lenders check for fraud by counting how many social security numbers are using 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 make sure you fix this problem, have you and your spouse apply with different email addresses.

7. Apply for payday loans during the holiday season

The holiday season is the busiest time of the year for online loan lenders. They know this fact, and are ready with extra staff and money to finance your loan applications. Worst time of year to apply for a payday loan? January Online loan lenders are busy with the holidays to collect all the money they have loaned. Many lenders reduce the number of loan applications they finance during January.

8. If you have had a payday loan in the past, return to the same website to get another one

If you have had a payday loan in the past and paid it off, you are a VIP customer. This means you get special treatment from your previous lender. They always relax the subscription of previous customers who are in good standing. Try not to go to a different lender if you fit into this category.

9. If you are in the military or have benefit income, find a website that is specific to you

The reality is that 99% of all online payday loan websites will not accept loan applications from the military or customers with beneficial income. You will need to search the internet to find the online payday loan website that can meet your needs specifically.

10. Be smart about entering the next 2 payment dates in your loan application

Most online loan lenders will not fund a loan that is less than 4 business days. Therefore, if you are paid weekly or if your next pay date is within the next 4 business days, consider requesting your second future pay date as your next pay date. This will boost your changes for approval.

To apply for a payday loan, visit https://www.1houronlinecashadvance.com

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