1. You must have a CHECKING ACCOUNT that is at least 3 months old
2. You must be currently employed, making at least $1000 NET PAY per month

Your application for payday loan will be denied for following of the reasons. There can be other reasons as well depending on the state where you live.

You have filed for bankruptcy within the past year, or have filed multiple times
You are currently unemployed
You have been employed at your present job for 5 months or less
You have an outstanding payday loan and/or unpaid returned checks
You have a newly opened checking account
You have multiple NSF/Overdraft fees in your checking account
Your monthly NET income is below $1000.00
Your contact information/reference information is invalid
Lender is unable to successfully identify your personal information
Lender is unable to verify your bank account information
You are paid monthly

Always check the term and conditions of the lender before you apply so that your payday loan application is approved.