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Can I get a loan with pay stubs? Having paystubs is actually one of the requirements to get 24-hour bad credit loans. After you apply for the loan, the lender will receive your application and use a computer program to analyze your details quickly to determine if you meet the basic eligibility criteria. Receiving a loan offer is the next step. And in the offer, there might be a request to submit additional documents. Here are some of these documents.: Drivers license or government-issued id: The lender expects to verify your identity in order to avoid fraud. Thats why they may ask to see some identification documents. Utility bills: It can be a copy of your electricity, water, or gas bill. The bill bears your street address, and that is what the lender will need to verify your residency. Thats because they have licenses to operate in specific states. Payday loans are also not allowed in all jurisdictions.
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The impersonal nature of a payday loan is a way to avoid this embarrassment. Tim Lohrentz, the program manager of the Insight Center for Community Economic Development, suggested that it might be best to borrow from people you know to save a lot of money instead of trying to avoid embarrassment. Economic effects edit. While designed to provide consumers with emergency liquidity, payday loans divert money away from consumer spending and towards paying interest rates. Some major banks offer payday loans with interest rates of 225 to 300 percent, while storefront and online payday lenders charge rates of 200 to 500 percent.
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