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If you are short of money this month and have incurred an unexpected cost such as a medical bill or a car repair bill, then it might be worth looking into getting a payday loan. Kallyss can provide you with a payday loan from the comfort of your home and you could have the money in your account within 1 working day.

Kallyss can provide you with a small loan such as $100 or a larger one such as $1000, there are even options for loans for those with bad credit or looking to pay in instalments.

This guide takes you through what information you might need to provide when you are looking to apply for a payday loan in the US. Make sure that you are eligible to apply for payday loans or any other type of short term loan through the loans connection service offered by Kallyss.

It is also important that you know that you will be able to repay your payday loan on time as there can be severe consequences if you do not repay your payday loan.

What Information Do Payday Lenders in The USA Require?

When filling out a payday loan form or application online, there is some typical pieces of information that you will be asked to provide by the broker or lender you are looking to get a loan through. No matter how much money you are looking to borrow, any website or facilitator that helps you borrow money online will need to run an applicant’s details through a range of eligibility and affordability criteria (usually via a panel of direct lenders) therefore it is important that you have them ready so that Kallyss can provide you with a loan as soon as possible. This information includes:

  • The loan amount you want to borrow
  • How long you want to borrow the loan for
  • Your diver’s license number/or state ID
  • Your contact details – including phone number and email address
  • Your employment status
  • A valid checking account

It is important that you tell the truth on your form, such as about your employment status and how quickly you believe you will be able to pay back your loan. This is because the payday lender will do a check on your financial history and personal details, if you have shown that you have lied then it will delay your application process and you may have to provide more documentation to prove you are eligible for the payday loan.

Kallyss can provide you with a payday loan from the comfort of your home, just use our online application form as long as you have all the information that is stated above.

How Can I Submit an Application for a Payday Loan in the USA?

With Kallyss you can easily submit your application for a payday loan in the US. Our online form is an easy experience and will only take you up to 10 minutes to complete. Before you do go ahead and actually fill in your application for a payday loan or even a smaller loan like a $400 loan, you should consider whether or not you truly need the loan in question as well as whether you have considered the alternatives to a payday loan.

You will then get a straight answer on the screen whether you are eligible for a payday loan with Kallyss or not. Our online form is easy to fill out, you will just need the details above with you to fill out the form as quickly as possible.

Consider your answers carefully as you do not want to say that you can pay back your loan quicker then you actually can. These could cause you issues in the future such as a fine or a severely negative impact on your credit score.

After you have submitted your application, it is best to be available by phone or email just in case your lender wants to get in touch for more information. If successful, you could have the payday loan funds in your account with 1 working day.

Am I Eligible For A Payday Loan Online?

To be eligible for an online payday loan in the USA as well as for most forms of short term and unsecured finance, even if you just need to borrow 1000 dollars, it is important you understand the rules around payday loans before requesting a loan online, no matter how close you are to your next payday.

In order to be eligible for a payday loan there are a few legal requirements, these include the fact that you need to:

  • Be a U.S. resident
  • Be over the age of 18
  • Be in steady employment with a stable income
  • Earn a minimum of $800 per month ($9,600 per year)
  • Possess a valid mobile phone account and number
  • Possess a checking account for the loan to be deposited (if approved)
  • Be able to afford the loan repayments
  • Live in a US State that allows payday loans (such as Kentucky, Iowa, Ohio, Texas)

If you are eligible for a payday loan because you meet all of these requirements then you can fill out the form right now and find out an answer within 5 minutes. Do not worry, the lenders that Kallyss works with will perform a soft search check on your credit account so your credit score will not be impacted by applying.

What Documents Do I Need When Requesting a Loan Online?

It’s best to keep your bank details and personal information on hand when filling out a loan enquiry to make the process more efficient. This includes your phone number, address, email, and checking account information. Once you have sent your loan enquiry in, your lender may get in contact to request that you provide some follow-up information. They may ask you to show proof of income or valid identification.