You'll find it extremely hard to get any type of funding if you as the loans for bad credit applicant are not prepared for the extensive paperwork that the emergency payday loan companies and financial agencies will send your way. being smart is a very big deal when it comes time to get the financial benefits associated with getting online payday loans. in America the majority of people will not qualify for any kind of funding because these people have either of abused their credit, or maintain too low of an income from their employment or they owe too much in existing debt to be able to qualify for any kind of loan or funds. if you are serious about applying for a loan that you need to realize something it will not be easy and it is a very competitive thing you may be making good money but because you have a lot more debt that other loan applicants you may be denied for the loan of your dreams while they get the loan of their dreams and are able to enjoy the freedom that comes with that loan. in life is important to realize there's more people in the world than you so you have to do your best and tried 10 times harder than the average person that is the only way to get ahead and stay ahead. it is very advisable that when you are ready to apply for a loan with any financial company or government on financial agency that you have all your records straightened out with your financial institutions. these records include employment income verification credit scoring credit histories and total Debts. once you have successfully maintain good scores and all of the above categories only then is it a smart idea to apply for quick loans at the company of your choice.