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Some lenders advertise either instant or fast approval. Sometimes this can be quite beneficial if you want to obtain the money as soon as possible. If there is no lengthy approval process, this just makes everything a bit smoother. My credit was horrible so I knew I could not go to the bank and get a loan. I asked a good friend if he had any recommendations. He told me to look at getting an online payday loan . He said he was able to get one with his less than perfect credit and that it really helped him out. Weâre researching and considering whether rulemaking is warranted in the areas of payday and deposit advance products, as well as consumer overdraft products. We held a field hearing in March 2014 in Nashville, Tennessee. and also released a report that analyzed payday lending and found that four out of five payday loans are rolled over or renewed within 14 days. Weâre also expecting to build on an Advance Notice of Proposed Rulemaking that we published in 2012 concerning prepaid cards by issuing a proposed rule to strengthen federal consumer protections for these products. Weâve been testing potential disclosures that we may propose to be used on the packaging of prepaid cards.