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If you have a regular source of income and a checking account, you can generally be accepted, and approval is fast, often within hours. The money can be electronically transferred to your checking account, usually by the next business day. How do they do it? They hire young. Most employees have never had a job in the corporate world. They entice the &quot;just out of college&quot; demographic with predatory tactics such as the lure of expensive parties where alcohol flows freely. They headhunt at retail locations, car dealerships, oil change spots. You name it. All the while dangling carrots in the unsuspecting eyes of the naive. I never came across an experienced new hire from the lending industry. A payday loan is a small loan, typically between $100-$1000, that is used to help a borrower's unexpected expenses such as bill payments, car repairs, household emergency repairs or other financial emergencies. 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