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Let me guess; you need money. That's how you got to this website. It's that simple. You may have tried borrowing from banks, borrowing from friends or maybe your credit cards are maxed out, and you still need money.

If this sounds like you, then online payday loans may be the answer to your problems. Payday loans are short terms loans that millions of Americans use every week to get them through to their next paycheck.

These loans are so EASY to get

There are many online lenders ready to let you borrow $500, $600 or even $1,000 until your next paycheck. All you have to do is fill out a short application, and you will know within minutes if you will be approved for a loan. When banks, friends and other lenders say no, payday lenders say yes!

The #1 thing lenders are looking for in YOU

To get this type of loan, the lender will be looking at your source of income. There is no way around that. You will have to have income from a job or some benefit such as social security.

The reason for this is because these loans are based on your income, not your credit score. In fact, these lenders don't even look at your credit score, but more about that later. If you don't have a source of income, then payday loans are not for you, Sorry. Look for a future post about when not to use a payday loan.

How much income the lenders are looking for varies from lender to lender. Generally speaking, no lender will offer you a loan if you make less than $1,000 a month after taxes. Many lenders would prefer, or even require, that you make more than $1,000 a month. Because of the nature of this type of loan, the more you make, the more chance you will have to get approved.

One final note about income, the type of income matters too. There are many more lenders that will approve you if you have employment income as opposed to benefit income such as Social Security payments, workers compensation or disability income. The lenders prefer employment income over benefit income, it's just a fact. I am not saying don't apply if you have benefit income, just know your chances of getting approved for a loan are lower because of the benefit income.

OK, one more thought about income. If you are employed, many lenders like to see steady income as well. If you just got your job, you may have difficulty getting a loan. Most lenders will require that you have been employed for at least 90 days at your current job. So if you have 90 days of employment, then you are in great shape! If you have not, just know that the number of lenders that will review your application will be less.

The #2 thing lenders are looking for in YOU

After income, your ability to repay is next most important thing that lenders are looking for in a borrower. The most common way lenders do this is by looking you up in an industry-specific database to see how many payday loans you currently have outstanding. Most reputable lenders are ok if you have 1 or 2 loans outstanding but if you have more than that, your chances of getting a loan are slim to none. By the way, that is why the loan application asks for your social security number. They use your social security number to look up in the database.

Oh wait, there is a third thing that lenders are looking for. The third thing that lenders will require is a bank account. If you don't have a bank account, then an online payday loan is not for you. The reason for this is because the lending process is completely online. The lender will deposit the money into your bank account, and when it's time to pay the loan back, they will withdraw the money from your bank account. Without a bank account, there is no way to do this online.

If you currently have outstanding payday loans, it is in your best interest to pay them off before applying again for another loan. If you cannot pay off outstanding loans completely, you should at the very least pay down your loan to a smaller balance. Look for a future post on how to pay off existing payday loans.

A note about credit checks and payday loans

You may have seen advertising about no credit check loans. What the lender means is that they do not check your credit score with three main credit bureaus (Equifax, Experian, and TransUnion). When you are applying for this type of loan, the lender knows you probably don't have a high credit score with the traditional credit bureaus. Again, this kind of loan is based on your income, not your credit score. This ties into what I mentioned earlier that even though the lenders claim these are "no credit check" loans, these lenders do look into industry-specific databases for some loan history about you.

Is there anything else that lenders want in a borrower?

The answer is yes there are other things lenders want in a borrower, but they are less relevant than income and borrowing history. For example, every lender will want you to be a legal U.S. resident, and you must be at least 18 years old. Some lenders will require a cell phone and possibly even a work phone. But that is about it.

What to expect when filling out the application

The good news about a payday loan application is it is short. The application will ask you for information about three things, you, your income and your bank account.

The information collected about you will be your name, your current address as well as how long you have lived at your current address. Also, the application will ask for your e-mail address, your home, cell and work phone numbers and your social security number.

The social security number is significant and required on the application because this is how the lenders will identify you in the industry-specific databases. The social security number is not used for any other purpose. It simply is how the industry tracks borrowers. If you are not willing to give your social security number on the application, you cannot apply online for a loan.

The application will also ask you about your income. You will be requested to provide your employer name, address and how long you have been at your job. If you are applying using benefit income, you will be asked similar questions about your benefit income source. You need to be as accurate as possible because this information will usually be verified before the lender deposits money into your bank account.

One particularly important piece of information is how much money you earn in a month. If you don't get paid once a month, you may not know this quickly. Look for a future post about how to calculate your monthly income.

The last part of the application will be information about your bank account. The application will ask you for your bank's routing number (sometimes called an ABA number), which is the nine-digit number at the bottom of your check. The application will also ask for your bank account number which is the number next to your bank's routing number at the bottom of your check. Our application provides a sample check that you can look at and compare to your check to make sure you are entering the correct information. If you have never done this before, no worries, it's easy to figure out. Look for a future post on how to determine your bank account routing and account number.

What to expect when submitting your application

After you have completed the application, it's time for you to hit the submit button. Once you click submit, you may have to wait one or two minutes while your application is processed. What is happening behind the scenes is a complex and intense process of underwriting your application by various lenders and then routing to the best-fit lender for you. Look for a future post about what happens when you submit your payday loan.

...the moment of truth

If you have been matched with a lender, your internet browser will be redirected to the lender's website. Normally, the first thing you will see is your loan documents for you to review and e-sign. This document is vital. Please, please, please read this document carefully because it contains all the terms and conditions of the loan you are about to enter. It will provide information such as how much money the lender will deposit, how much money you will have to pay back and when you have to pay it back. All of this information is usually provided in what is called the "Schumer's box" which displays a chart with the principle, fee's and APR. It should look familiar to you if you have applied for credit cards, car loans or mortgages in the past. These are the most important pieces of information for you to review, that's why it's in a box. Make sure you agree to these terms. Look for a future post about the parts of a payday loan agreement

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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