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How Do You Get Payday Loans Online? The Simple Process Explained!

Are you thinking about applying for payday loans online to cover some of your money problems? Here’s a simple guide that will help you get a payday loan TODAY.

The Easy Process for Getting Payday Loans Online

Step 1: Know Which Required Items to Have

Getting payday loans online is easy – mostly because most of the qualifying requirements are flexible. There are only a few items the absence of which the lender won’t be able to overlook. These items are:

  • A government-issued photo ID – you must provide the lender with a valid document, proving that you’re over 18 years old and thus eligible to apply for payday loans;
  • An active checking account in your name – unfortunately, you won’t be able to use another person’s checking account and you will need to provide a blank check to be eligible;
  • Proof of income – you will need to provide your most recent pay stub, proving you’re able to pay the loan off in the future.

Step 2: Submit the Online Payday Loan Form

If the required items listed are all accepted, applying for the payday loan online will be pretty simple.

  • Go to the Utah Title Loans home page;
  • Find the online form for payday loans;
  • Fill the form out with accurate information;
  • Submit the form and wait for it to get processed.

Step 3: Talk to the Loan Representative to Determine Details

After the online form gets processed, the loan representative from the nearest Utah Title Loans store location will call you.

They will make sure you’ve got accurate information about the loan procedure, make sure the required items are in order, and set up an appointment for you so that the items in question can get verified.

If you have any questions about the procedure, now would be a great time to ask!

Step 4: Have the Required Items Verified

This is the only time you’ll have to leave your house during the application process. For the loan representative to be able to finish your application process, they’ll need to verify the required items first.

So you will need to visit the nearest store location for the appointment the loan representative will schedule during the phone conversation.

At the appointment, the loan representative will look over your items to determine if you qualify for the loan (and how much cash exactly you qualify for), as well as answer any additional questions you may have.

Step 5: Get Approved – and Get the Cash

If the loan representative determines that you qualify for the payday loan, they will have you complete the process right then and there.

They will walk you through the final steps of the procedure, have you complete the easy paperwork, and approve you for the loan.

This entire process typically takes no more than 30-40 minutes, and you’ll be getting the cash the very same day.

person handing over Payday Loan online cash

Online Payday Loans FAQs

Have a question? You can always ask the loan representative anything you want to know about the loan – either during the initial call or during your face-to-face meeting.

In the meantime, here are some of the most frequently asked questions about payday loans.

Do I Need Good Credit To Apply For Payday Loans Online?

No, you do not need good credit to apply for payday loans online.

Not only can you apply for a payday loan if your credit is bad, you can apply even if your credit is outright nonexistent.

Will Applying For Payday Loans Online Ruin My Credit?

No. The payday loan won’t have any impact on your credit score.

This is because the loan in question will stay entirely between you and the lender – in this case, Utah Title Loans, Inc. We won’t be reporting your loan to any credit bureaus, so the loan won’t have any influence on your credit – either positive or negative.

I’m Unemployed. Can I Still Apply For Payday Loans Online?

Yes, you can.

While providing your most recent pay stub is customary and will help the process go along smoother and quicker, this is one of those requirements the lender can bend in a potential borrower’s favor if the situation calls for it.

As long as you can provide proof that you have means other than a regular paycheck to pay off the loan, you have a chance to be approved for a payday loan.

Unlike banks, private lenders consider income streams such as unemployment or welfare benefits, worker’s compensation, or even savings a valid way to pay the loans off. Do talk to your loan representative about your employment situation and they’ll come up with the most optimal solution for you.

What If My Income Isn’t Enough To Cover The Loan In One Payment?

While typically your loan payment is due with your next paycheck, the loan representative can set up an individualized payoff plan for you depending on your circumstances (following state regulations).

Again – talk to your loan representative. They’re there to help!

Get Your Online Payday Loans Process Started

Now that you know how the process works and how to get payday loans online, apply for your payday loan online today to get yours started! It can take as little as 30 minutes!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.