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How to Get a Loan with Low Credit Start the application process from our website. The application form is always available for you to fill in your details and send it to us. Enjoy the flexibility to re pay monthly payday loans conveniently without the usual hassle of paying the whole amount together. Moreover, you may apply to us anytime whenever you need a loan fast as our representatives accept applications 24/7. According to the definition, payday loans are small short-termed loans which you can pay from your next payday. They are also known as cash advances as you get cash in your hand which you can return later on. They are given on the basis of your past and current payroll and employment information.