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To get an online payday loan all that most lenders require is that you are currently employed or have a steady source of income, are at least 18 years old, a United States citizen, and that you have an active checking/savings account. If you meet these initial conditions then you should have no problem to get a payday loan. While these short term loans typically carry a high interest rate with them, they are often a better financial decision than incurring fees on your other obligations. Credit card payments, rent/mortgage payments, car payments, and bounced checks all have penalty fees associated with them ranging anywhere from $30 - $60 per offense. These fees can add up very quickly for consumers with short term cash flow problems and makes getting an online payday loan the most financially prudent decision.

If you need to get quick cash before next pay day then you might want to get an online payday loan. Online loans are much more convenient than your typical payday retail store. After you fill out an application for your short term loan, the lender will review your information and contact you shortly thereafter to discuss terms. After terms have been agreed upon by both parties your requested funds will be deposited directly into your checking/savings account usually within 24 hours.

If you want to get an online payday loan then you need to know where to find a legitimate lender as there are some sites that will distribute your personal information to other online spammers. I would strongly encourage consumers who need to get quick cash before next pay day to go through a lender who is affiliated with several pay day lenders rather than going directly to a particular lender. These multiple lender websites do not handle the cash loan themselves but instead they make payday lenders compete over your business and will provide you the lender that has offered the lowest interest rate. This is the most efficient and really the only way to ensure that you are getting a true market rate.