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Having a bank account is often a requirement to get a personal loan through one of the payday lending networks we’ve recommended.
CashUSA.com, for example, requires prospective borrowers to have a checking account in their name. The account is initially used to deposit cash from your loan provider.
Other requirements include:
Be at least 18 years old.
Be a US citizen or permanent resident.
Earn a steady monthly income of at least $1,000 after taxes.
Provide work and home phone numbers, and a valid email address.
Meeting these requirements doesn’t guarantee you’ll be connected with a lender, but they’re the basic requirements when you apply for an unsecured loan.
Some lenders may want you to have a checking account so loan payments can be automatically withdrawn by the due date. This is the same account where the lender deposited your loan funds into. If you don’t have enough money in the account to repay the loan, you should contact the lender in advance to ask for an extension so you can avoid damaging your credit. -
OppLoans/MyLoan
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The online networks we’ve recommended can help you choose from among many lenders so you can compare interest rates, repayment timelines, and any fees. They could make a loan from a payday loan lender more affordable.
But you have other options. The easiest option may be to ask friends or family members for a quick loan so you can pay for an emergency expense. If you’re confident that you can repay them, this type of loan may be the least complicated. That is unless you can’t repay the loan, in which case don’t attempt it at the risk of ruining your relationship.
Put the loan agreement in writing and create a repayment timeline that you both agree to.
Another option is to get a cash advance on your credit card. Your available credit limit will determine how much money you can get this way. You may only be able to get a cash advance of 20% of your available limit.
The annual percentage rate you’ll pay on the cash advance will likely be much higher than it is for purchases. Aim to pay back the credit card balance quickly to minimize interest fees.
If you don’t have much available credit because you’ve maxed out your credit cards, you may want to consider applying for a secured loan that’s backed by collateral. In the case of a title loan, in which your home or car serves as collateral, the lender can take your collateral if you don’t repay the loan. -
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About 27% of people with scores of 450 have credit histories showing they’ve gone 30 or more days past due on a payment in the past 10 years. The average utilization rate for people with 450 credit scores is 127.9%, meaning they’re using 27.9% more than their spending limit on a credit card and other forms of credit.
To maintain good credit, you should keep your credit utilization ratio below 30%.
A low credit score and high debt ratio shouldn’t prevent you from being approved by a payday loan lender, however. One of the main requirements of a cash advance loan approval is having a regular income, often as low as $1,000 per month. MoneyMutual requires a minimum monthly income of $800.
You may qualify for a payday loan if you have a steady income, such as through a job or from Social Security, a pension, disability, or other kinds of benefits.
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