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What to Do If You Need a Loan but Keep Getting Declined ?>

What to Do If You Need a Loan but Keep Getting Declined

Factors Lenders Might Be Rejecting Your Loan Application For

Nothing is more saddening than getting rejected for a loan, especially when you need one urgently to fix the cash crunch issue. However, the truth is that traditional personal loans are not easy to qualify. There are multiple reasons why one gets rejected.

1. Bad credit score:

Conventional lenders are very strict about credit scores, and they run through your credit reports to ensure the trustability before financing. A bad credit score always points out the defaults and late payments committed by the borrower. If you have a poor credit score, then do not expect that traditional lenders would approve your application.

2. Not having any credit history:

Not having a credit history at all is another reason why you might get declined by the lenders, especially personal loans with a higher amount of cash. Conventional lenders such as banks want to know as much as possible about the debtors before approving their applications. Not having a credit history does not give any information about you as a borrower. That makes the lenders unsure. Sometimes you might get funded, but more often you would be rejected.

3. Low-income level:

Apart from the credit score, your income is another assurance that the lender would not lose the money by lending you. Depending on the amount of loan you are applying, lenders decide if you can pay back the loan within the term. If they are not sure about your ability to return, they would reject your application.

What to Do If You Need a Loan but Keep Getting Declined

If you want a traditional personal loan, then there is no other option but to have a good credit score and a good income level. That would definitely take a long time. Therefore, if you need urgent and quick cash, and don’t want to get declined, you have to explore other options. Thankfully, you have an option- online payday loans from direct lenders such as EZPaydayCash. You can apply to take out a payday loan and get funded the same day.
We do not run through credit, so you can apply with a bad credit or no credit history. Apart from that, you can get your application approved even if you have a relatively low-income level. In fact, payday advances are preferred by the people with low and medium level incomes. However, these loans can give you access maximum up to $1,000. In order to fix a car or pay medical bills that would still be enough. Then go on and apply to take out a payday loan and get an instant approval from EZPaydayCash.

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Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower's expenses until the next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: is a legitimate direct lender authorized to lend money to genuine borrowers where the interest rate, term and maximum amount that can be borrowed are solely decided by the company. Without authentic and verifiable information in the application, funding by no means is guaranteed. Upon requirement, the prospective borrower is expected to provide additional document/information- failing which would result in rejection of the loan application. While reviewing loan applications, we typically do not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, soft credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained in certain circumstances. You will not be charged any fees to use's service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. does not guarantee that completing an inquiry form will result in being offered a loan product with satisfactory terms or rates. It also worth noting that any loan request submitted on Friday after 6:00 PM EST will be processed on the next business day. For inquiries related to our services you may Email us at

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