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Getting a payday loan or check advance is the one borrowing method that a bad credit score will likely not have any affect on. Most of these kinds or borrowing companies do not ever check your credit at all in order to loan you money. This is what makes them so easy to get and accessible to almost anyone. They could not stay in business very long if the only people they loaned money to were people that already had good credit reports and scores.

Usually all that you will need in order to get a loan of this kind is a drivers license or state identification card. You will probably also need an active checking or savings account and at least one or two recent statements that show your current activity for that account. You will likely be required to write a check for the amount of money you are borrowing plus the amount of interest they will charge you for the loan. The fee for making a loan is usually about 20% of whatever you borrow. They normally base the amount of money they will loan you on how much money you are currently making.

If you do not have a job at all, it might be more difficult for you to get a check advance unless you have some other form of recurring income such as an annuity, social security check or unemployment check coming to you. You must show them that you have some legitimate way to be able to repay the loan and interest when it falls due.

Once you are allowed to borrow from a particular payday loan or check advance company, if you pay back your loan when it is due or come in and renew it as you should do, you will likely have no problem getting another loan in the future if you need it. If you default on the loan and do not come in to make arrangements of some kind to pay the money back, you might find that you have been black balled so to speak from borrowing from that business again or possibly from any other similar lending businesses in your area. You could easily end up being sued in court if you do not pay back the loan. Many times people take out these kinds of loans because there is no where else that will loan them money and when they abuse this option, they might not have anywhere at all to turn to when they need fast money the next time.