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Fast Approval Payday Loan

Is everyone approved for a payday loan? This is a very frequently asked question. Online payday lenders seem less demanding than conventional lending establishments such as banks for instance. They are less strick in that they may neglect things like a credit check or employment verification. They also don’t give you any papers to sign since the entire loan application process is paperless and faxless. Online payday loans can be taken out in a matter of two clicks. One might say that they are fast and easy to get, but is it really so? Online lenders are more like bankers – very careful in their decision making. If they weren’t , they wouldn’t make money in that business. They surely accept loan applications from everyone but do they approved everyone? The answer is ‘no’. They must make viable decision to develop their business and turn profits in the end. They must make reasonable choices when it comes to approving individual loans. Everyone should know that in the payday industry every penny counts. If a lender has the shadow of a doubt about your repayment abilities, you will not be approved. The number of rejections is rather high. Almost 40% of all the payday loan applications are denied on the basis of the applicant’s low credit score. Many lenders may ignore a classic credit score check, but they verify information about each borrower to see if there are any outstanding loans that the borrower has at the moment. If you happen to have more than two payday loans, there is a pretty good chance that you will not get one today. Everyone who has a large monthly income and low debt may give it a try, provided that a loan is needed, and see what a lender decides to do. This is probably the only case, excluding secured loans where collateral is required, that a lender may be inclined to approve the individual’s application.

Rules in the USA

Payday loans are illegal in: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC). Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000

Rules in Canada:

British Columbia – capped at 23% of the principal (including interests and fees) Alberta – up to 23% Saskatchewan – an interest rate cap of 23% of the principal, a cap of 30% on a defaulted loan Manitoba – at 17% per two weeks Ontario – $21 per $100 borrowed for a period of two weeks New Brunswick – illegal at any rate over 60% per annum Nova Scotia – the maximum rate to 25% Prince Edward Island – $25 per $100 borrowed for a period of two weeks Newfoundland and Labrador – no legislation