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Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. Please tell me what to do to get a payday loan online.

And if you live in a rural area, it can be hard to find a traditional lending place nearby. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.