To fill out the application takes only a few minutes and requires you to give basic information that identifies who you are, where you live, where you work and how frequently you are paid. The last bit of information is for the lender so they will know when and how you are paid, and you may be asked if you receive a paper check or direct deposit. Most lenders prefer you to have direct deposit of your pay set up so that when the loan comes due, they can automatically withdraw it from your checking or savings account.

The quickest payday loans will have your money to you within one hour after you have signed the loan contract. It is very rare for a person to be turned down as your credit is not a factor in getting these types of loans. If you are turned down, it is because you may have an outstanding loan with another payday advance lender that needs to be cleared up first.

Some lenders do use a service called Telecheck to see if you have any other outstanding payday loans and what your track record has been with repayment. If you have never had a loan of this type, then you will not be recorded in the system.

Make sure that you use this method of funding wisely and do not use it for frivolous spending. It is there for emergencies when you can’t get a loan elsewhere, so think before you apply.

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