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If you apply for a payday loan they will tell you within a few minutes of applying if you qualify. There are stipulations with each company such as you must be employed or some may do payday loans on your EI, pension, or social assistance, 1 to 3 of your most recent pay stubs, you must have a chequing account and of course cheques some companies want your pays to be direct deposit, you need references, bank statements, you usually have to make a minimum of $300 per week, a phone & address - they need a lot of information.

If you are using a loan matching service like the Arsenio Hall MyMoneyPartner.com loan matching site, you will know within minutes if you are approved for a loan. Then you just work with the lender who you best match with to get what you need. Pretty simple really.

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