We pride ourselves in being able to find a viable personal loan option for just about every borrower who completes an application with us. We understand that "life happens," and sometimes you may not have the best financial history or a perfect credit score; this doesn't mean that you shouldn't be able to borrow the money you need to live your life. As such, we do our best to carry minimal requirements when it comes to applying and borrowing through our service—and we work with lenders who share that same philosophy as well.

Specifically, in order to borrow through Pay Power Loan and any of our partner lenders, you'll need to start by completing an application on our website. This application simply asks for some basic information about who you are, how to contact you, and your current employment/financial status. Most of our applicants report that this application takes less than 15 minutes to complete.

In addition to completing the application, we'll also require that you provide two forms of identification, including:

  • A primary photo ID (such as a government-issued ID card)
  • A secondary form of ID (such as a utility bill or bank statement)

When it comes to credit and financial requirements, there aren't any. So if you've been denied for traditional bank loans in the past as a result of your poor credit, collections on your bank accounts, or even a bankruptcy on your record, you don't have to worry about this being used against you when seeking a personal loan through Pay Power Loan.

So long as you have some form of stable income, we're typically able to help anybody find the loan that they need at terms that are reasonable and conducive to their needs. Please keep in mind, however, that some of our partner lenders may require additional information before formally approving your loan, such as:

  • Copies of bank statements
  • Copies of pay stubs or tax forms

This is typically done simply for verification purposes (such as verifying your reported income) so that your loan can be quickly approved and the funds you need can be disbursed into your account in as timely a manner as possible.