Top 10 Secrets to Getting an Online Payday Loan

Top 10 Secrets to Getting an Online Payday Loan

Here’s what you need to know to get your online payday loan. When you apply, make a list of these 10 secrets. See if you can match as many secrets to make maximum changes to getting approved or a payday loan.

1. Only apply to lender matching sites
There are two types of payday loan sites on the Internet: Direct Lender and Lender Matching. Lender direct sites are operated by the actual lender where as lender matching sites they collect loan applications and then send them to many lenders on your behalf and connect you with the best lender for your situation. Direct lender websites approve only a small fraction of lender matching sites.

2. Apply only in the morning
Your best chance of getting an online payday loan is to apply on a weekday morning. Why is that? Because call centers are fully staffed and lenders are hungry for loan applications. If you apply after 4:00 PM, many lenders automatically reject loan applications because they are unable to complete the payday loan due to closing hours and call center staffing issues. Always apply for online payday loans 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 you should apply on weekday mornings. So if you’re paying bills on a Sunday night and decide you need a payday loan, it’s best to wait and apply on Monday morning.

4. Apply only once per payment 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 guarantee it in the last 2 weeks. The only acceptance of this rule is if you are using payday loan websites to apply. They can usually pre-screen lenders who have already tried to get you an online payday loan.

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

6. If you and your spouse are applying separately for payday loans, you must use different email addresses
Many online payday loan 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 make sure you get around 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 year for online payday loan lenders. They know this fact and are prepared with additional staff and money to fund your loan applications. Worst time of year to apply for a payday loan? January. Online payday loan lenders are busy with the holiday season collecting all the money they have lent. Many lenders reduce the number of loan applications they fund in 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 make it easy to sign past clients who are in good standing. Try not to go to another lender if you fit this category.

9. If you are in the military or have income, find a website specific to you
The reality is that 99% of all online payday loan websites will not accept loan applications from military or 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 smart when entering your next 2 payment dates in your loan application
Most online payday loan lenders will not fund a loan that is less than 4 business days. So if you are paid weekly or your next pay date is within the next 4 working days, consider applying with the second future pay date as your next pay date. This will increase your changes to get approved.

To apply for a payday loan, please visit

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