Here’s what you need to know to get a payday insurance online. When applying, make a checklist of these 10 secrets. See if you can match as many secrets as possible to maximize your changes for an approved or payday insurance.
1. Apply only at lender matching sites
On the Internet there are two types of payday insurance sites: Direct Lender and Lender Matching. The direct lender sites are operated by the actual lender as the lender matching sites collect insurance applications and then send them to various lenders on your behalf and match you with the best lender that suits your situation. Direct lender sites only approve a small portion of the lender matching sites that you agree to.
2. Apply only in the morning
Your best chance of getting a payday insurance online is to apply on a weekday morning. why is that? Because call centers are fully equipped, lenders are hungry for insurance applications. If you apply after 4 p.m., many lenders automatically reject insurance applications because they cannot fill your payday insurance completely due to layoffs and call center staffing issues. Always apply for payday insurances online in the morning.
3. Not applicable on weekends or holidays
Almost all insurance applications are not approved on holidays and weekends. This is for the same reasons that you apply on a weekday morning. So if you’re paying your bills on Sunday night and decide you need a payday insurance, it’s best to wait and apply on Monday morning.
4. It is applied only once per payment period
Many lenders will only consider your insurance application once per payment period. They will automatically reject your insurance application if you try to write it in the last two weeks. The only acceptance of this rule is if you use lender-matched payday insurance sites to apply. They can usually pre-screen the lenders who have already tried to provide you with an online payday insurance.
5. Always provide references on your insurance application
Many online payday insurance applications do not require references, however, the big secret is that many of the most reputable payday insurance companies will score your insurance application higher if you provide references.
6. If you and your spouse are applying separately for payday insurances, you must use separate email addresses
Many online payday insurance lenders check fraud by counting the number of Social Security numbers using the same email address to apply for insurances. The problem is that married couples often use the same email address. Some will accept two Social Security numbers, others will not. To ensure that this issue is overcome, do you and your spouse submit an application using different email addresses.
7. Apply for payday insurances during the festive season
The holiday season is the busiest time of the year for online payday insurance lenders. They know this fact, and they are ready with additional staff and money to finance insurance applications. Worst time of the year to apply for a payday insurance? January. Online payday insurance lenders are busy putting the holiday on hold to collect all the money they insuranceed. Many lenders reduce the number of insurance applications they finance during January.
8. If you had a payday insurance in the past, go back to the same site to get another one
If you had a payday insurance in the past and paid it off, you are a VIP customer. This means that you get special treatment from the previous lender. They always hide from underwriting to former clients who are in good standing. Try not to go to another lender if you fit this category.
9. If you are military or have benefits income, find your own website
The reality is that 99% of all online payday insurance sites will not accept insurance applications from military or benefit income clients. You will need to search the internet to find an online payday insurance website that will be able to specifically meet your needs.
10. Be smart when entering the next two payment dates on your insurance application
Most online payday insurance lenders will not finance a insurance less than 4 working days. So if you pay weekly or your next pay date is within the next four business days, consider applying with a second future pay date as your next pay date. This will increase your changes for approval.
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