Payment options are also flexible. If you planned to repay loan following payday but something unexpected comes up, you can change terms of your repayment plan. You will be required to make a minimum payment on due date, but principal balance can be paid off at a later date.

Convenient Service

Unlike typical payday loan companies, online payday loan companies are open 24 hours. You can fill out application from privacy of your home and avoid sharing your financial information in public. You can also avoid hassle of waiting in line.

Online payday loan companies also offer convenient payment options. You can make payments online or call a company representative. The whole process is handled privately and discreetly.

To view our list of recommended payday loan companies online, visit this page: Recommended Payday Loan Companies Online.

Ask about your marital status if you’re applying for a separate, unsecured account. A creditor may ask you to provide this information if you live in community property states, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, and Washington. A creditor in any state may ask for this information if you apply for a joint credit account or one secured by property.

Request information about your spouse, except when your spouse is applying for credit with you. Note: your spouse will be allowed to use credit account. You are relying on your spouse’s income or on alimony or child support income from a former spouse; or if you reside in a community property state.

Inquire about your plans for having or raising children.

Ask if you receive alimony, child support, or separate maintenance payments, unless you’re first told that, you don’t have to provide this information if you won’t rely on these payments to get credit. A creditor may ask if you have to pay alimony, child support, or separate maintenance payments.

A Special Note To Women

A good credit history, a record of how you paid past bills often is necessary to get credit. Unfortunately, this hurts many married, separated, divorced, and widowed women. There are two common reasons women don’t have credit histories in their own names: they lost their credit histories when they married and changed their names, or creditors reported accounts shared by married couples in husband’s name only.

If you’re married, divorced, separated, or widowed, contact credit bureaus to make sure all relevant information is in a file under your own name.

To find additional rights you have, what a creditor may not do: when deciding to give you credit or evaluating your income for credit and what to do if you suspect discrimination visit: http://www.creditandyou.com/yourcreditrights.html it’s a free information website!