If you want a payday advance you would be very lucky these days to get it unless you go for a guaranteed payday loan, in which case you would be very unlucky not to get it. Actually in that second case luck should not come into it, you should be able to find new payday lenders to accommodate you if the old ones don't. Actually though there's not much difference between any of them. They will lend different amounts and there will be different charges between them, but as to who they will lend to it's always pretty much the same. All that is required is that you're employed in monthly paying occupation, and it doesn't pay you peanuts. It doesn't have to pay you huge amounts either,
tend not to be elitist, all they care about is whether you are in a situation financially that you will be able to pay back what they lend, with some interest on top of course. If you are in such a situation then they are not going to care overly much as to how much over the top you are earning. Actually that is the bottom line for any lender, whether a bank lender or a payday lender: can you pay it back, that is all they care about.
That's the way it should be of course. Most of us like to be able to make our own decisions in life, we don't want them dictated to us. If it is being dictated to us what we can do and what we cannot do then the only choice we have to make is whether to go along with it or not. When this is a part of a voluntary arrangement then you have the choice to not use that payday lender, if what you are in the market for is a fast payday loan for instance. Sometimes it's not voluntary though, when the government does it then it has the rule of law behind it, which means it can kidnap you and take you to a prison if you do not do as they say.
When we're being loaned money, ideally we do not want to be asked what we are going to do with it. We want the money, we think we know the best thing to do with it, what business is it of anyone else what we do? Well, that's fine so long as the lender is happy that what we are going to do is going to allow us to pay it back. For example, imagine someone goes to a bank and says they would like a three year loan that would allow them to go on holiday for three years. How are they going to earn the money to pay it back if they are on holiday? Well, clearly they are not. Similarly, with a business venture, if the bank is of the opinion that it cannot be repaid with that business plan they will not loan the money. There's nothing wrong with that because banks have to protect their investment.
The difference with new payday lenders, or established ones for that matter, is that they don't deal with business ventures and they don't deal with long term loans. All they have to know, then, is that the person taking the loan is going to be paid in a month and with that money they can pay back the loan. That's all you need to be able to show to get same day payday loans, which is why they are also called no credit check payday loans and no faxing payday loans.