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Can be renewed every few months, with new charging of interest, fees, and credit insurance premiums. Renewal is sometimes accompanied by a small âpayoutâ representing some of the principal already paid off in previous monthly installments. The loan amount typically resets to the original amount borrowed, or is increased. In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times - you may still be approved for a payday loan even if you have bad credit or a past bankruptcy. If you're in this situation, you can put aside the money for your kids -- you might even be able to get Uncle Sam to foot the bill for their college education. That's what one 67-year-old man in Austin, Tex. plans to do. Although he didn't want us to use his name, "Bill" was happy to share his story.
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