1. Apply on weekdays, that is, Monday through Friday.

If you apply during the weekdays, your application will be shown to many more lenders and this increases your chances of approval. There are only a small number of lenders who work on the weekends, so if you apply during the weekend, your application can only be shown to fewer lenders and your chances of approval are less.

2. Apply early in the day.

Mornings are better than afternoons. This is because lenders set out fixed amounts of cash to be lent out each day. Once all this cash has been lent out, the lenders will decline applications made later in the day. So, if you apply early in the day, your chances of getting a loan successfully are increased.

3. Your information.

The information you give out on your application form to your potential lenders has to be current and accurate. They have ways of checking your information. This is to protect you and the lending companies against credit fraud.

4. Amount to ask for.

Ask for $600 or less so that you can increase your chances of getting a loan. If you need more than $600, apply several times, each time asking for $600. If you insist on asking for a larger sum of money all at once, your application may be declined and you get no money at all.

5. Your phone number.

Put down a phone number that you will have access to in the next 24 hours. Many lenders will contact you, either by email or phone, to confirm that it is you (and not someone pretending to be you) that have applied. In addition, the lenders need your phone number to ensure proper transfer of your funds. If they can’t contact you, they may cancel your application and give it to the next applicant, as there are many people applying for these loans.

6. Your employer’s name and phone number.

You need to provide your employer’s name and phone number because some lenders need to confirm that you are truly employed before they give you a loan The Privacy Act prevents the lender from telling your employer that you are applying for a loan, so don’t worry if you don’t want your employer to know that you have applied to borrow money.

7. Your work phone number.

If you don’t have a direct phone number at work, please provide your company’s main telephone number. If you provide a cell phone number or a phone number that isn’t registered as a business, then, your application may be rejected.

8. Bank account.

One common reason people are rejected for payday loan is because they don’t have a bank account. If you don’t have a bank account, apply here for a guaranteed 100% approval account.

9. Checking bank account.

Some lenders require you to have a checking account at the bank. If you have a checking account, your application will be shown to many more lenders and your chances of being approved is much better.

10. Shopping around for a loan.

Some people apply for loans on many different websites, hoping to find the best deal. This actually decreases your chances of having your loan approved. Each time you apply for a payday loan, your personal details enter a database that is shared by the country’s lenders. These details stay in that database for 30 days.

11. Think carefully before declining a loan that is offered to you.

This is because, when you apply for a payday loan, your personal details enter a database. Even if you decline a loan that was offered to you, your personal details will remain in this database for the next 30 days. This practice is set out to prevent predatory lending. This means, once you reject this first lender’s loan, he will not be able to offer you another loan for the next 30 days. A second lender will probably not offer you a loan for the next 30 days either, because the second lender will think that you have already accepted a loan from the first lender (because your details are in the database).

12. Repay your loan on time.

Because there is a national database that is shared amongst lenders, your track record of being able to pay off your loan is known. If you show a good record, you are more likely to be offered another loan in the future.