Payday Loan Lender Reviews Find the Best Lender in Your State.   Home   FAQ   Privacy   Contact Us     F.A.Q 1. Why can't I find my state in your drop down list? Payday loans are banned in a few states. If you have a fair credit score, you may want to apply for a traditional credit card / personal loan. If you have bad credit, try one of those credit card offers for bad credit. 2. Which payday loan lender is the best? We scrutinize payday lenders before adding them to our list of top rated loan providers. For best results, you should apply to all the lenders on our list which won't take much time at all. This way, you will be able to compare the offers and choose the one(s) you like. Notice that states regulate payday loans which means different application procedures / terms in different states. 3. Where can I find lenders without teletrack? By teletrack many people assume calling you / your references / employer, etc. But in fact, teletrack involves checking a database of payday loans to make sure that you do not have any outstanding loans when you are applying. Most lenders perform this check prior to issuing the loan. 4. Do payday loan lenders ever run a credit check? Not to our knowledge or experience. Your SSN is used for ID verification and teletrack purposes. 5. I need a larger loan amount than most lenders can offer. What should I do? Most lenders won't give you much if you are applying for the first time. Our users could get up to $400 for the first time. So, applying to several lenders is an option if you need more money. 6. Can I apply for a loan if I am self-employed? Definitely. You might need to fax a bank statement to prove your income, however. 7. Where to find a 100% fax-free lender? In most cases, you won't need to fax anything. But in rare cases or where it is required by state law, a copy of your pay stub, bank statement or ID card has to be faxed or scanned and e-mailed. 8. Do I need a checking account in order to apply? Yes. And if you don't have one, apply to an instant account at AccountNow.com. 9. When is it best to apply and how soon will I receive the money? Most lenders are set at the Money Overnight method, so you can expect to receive your funds next business day as long as you apply before 4 p.m., EST. 10. How do installment payday loans work? Unlike a traditional payday loan that has to be repaid in full after the loan term (e.g. 14 days), an installment loan is repaid over a longer period of time (e.g. 3 months) with smaller weekly payments automatically deducted from your bank account. Installment loans are more expensive than traditional payday loans. DISCLOSURE: PaylessPaydayLoans is not a lending institution but rather, a service that provides advice and information on how to apply and get approved for a payday loan. All ratings and reviews published on this site are provided by real people who went through the application process of a respective lender and rated or shared his/her experience with us. Read our ratings disclosure for more information about how these ratings are obtained. CONSUMER NOTICE: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. © 2011 PaylessPaydayLoans.com. All Rights Reserved.