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That's way faster than waiting for a regular loan from a bank or credit union. Instead, the online lender relies on the borrower's creditworthiness and financial history to determine their credit limit. It's important to note that payday loans can be very expensive and should only be used as a last resort.

Gather the decatur required information: Most payday loan lenders will require you to provide some basic personal and financial information in order to apply for a loan. Payday loans are short-term loans that are typically due on your next payday. This can help you establish a positive credit history, which may make it easier for you to qualify for a credit line in the online future.