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Submit your application: Once you have all the credit required information, you can complete the online application and submit it to the lender. In addition to a wide range of loan options, banks are also typically regulated by government agencies, providing an extra layer of protection for the loans borrower. You can often receive an approval decision within a few minutes of submitting your application, and the bad funds can be deposited into your account within a few hours or days, depending on the lender.

Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. And once you are approved, the il money can be transferred into your bank account in just a few hours or days. A personal loan is a type of loan that is issued by a lender to an individual borrower, rather than a business or organization.