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Lower interest rate. Since you are paying the money back over an extended period of time, you can expect a lower rate â as long as you have a good credit score and history. In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times - you may still be approved for a payday loan even if you have bad credit or a past bankruptcy. In short, anyone with proof of income and an established bank account. When you go online and you check out the websites of companies that offer online personal loans, one of the first things that you notice is the claims of how fast they can process your application. It is quite common to see one hour processing time ads. There are some that go on to claim that they can do it even faster than that. You know that it can be fast and instant, but can you trust it to be that fast?
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