A pay day loan can help the neediest Americans receive the cash they need

Robert Goode for Green Leaf
Loan Groups - Pay Day Loan

Robert Goode has lived on his own since he was 17 years old. With little to no guidance, he applied for and received his first credit card the day he turned 18. He maxed it out shortly after. Ever since then, he's had bad credit. Robert, now 29 and a young father to two-year-old Isabella, has always had issues getting approved for financial aid.

"Having a good credit score helps you qualify for money. If you have a bad score, it’s hard to get a loan. I never needed some extra money more than I do now," Robert said. "My daughter Isabella's daycare is expensive. My wife gets paid minimum wage, so her income alone isn't always enough to even cover Isabella's care. Most of the time we only make enough money to get by. Last month our car broke down and there was absolutely no money we could tap into to take care of it. It was gut wrenching. It's not a good feeling to live paycheck to paycheck."

Robert’s co-worker and friend, Craig, told him about pay day loans.

"Craig, one of my good buddies from work, told me that if I went to Green Leaf Loan Group then a bad credit score wouldn't prevent me from getting approved for a pay day loan," Robert said. "I looked into it, applied, and was instantly approved. I couldn't believe how easy it was for me to get the exact amount of money I needed."

What is a pay day loan and how does it work?

A pay day loan is a short-term, unsecured, no collateral loan that is given to borrowers who need extra cash between $200-$2500. Borrowers are expected to repay the amount they borrowed (usually the amount of their upcoming paycheck) within 2-4 weeks. Because a pay day loan is based off a person’s paycheck, a credit score isn't required for approval.

"I got matched with a direct lender who granted me a $2000 pay day loan," Robert said. "I was able to make the car repair and pay off some other expenses. We even put a little bit in savings. It feels good to be in control of my finances."

How easy is it to apply for a pay day loan

A pay day loan is a hassle-free process. Any person over the age of 18 with a job can apply and be instantly approved. The entire application process takes minutes. A borrowers direct pay day loan lender will call an applicant to discuss the details of the pay day loan and answer any questions as soon as the applicant submits his/her application.

"My $2000 pay day loan request was fulfilled within minutes of applying," Robert said. "My lender was friendly, informative, and gave me some good advice. I'd recommend a pay day loan, through Green Leaf Loan Group, to anyone with bad credit or who has suffered financial problems in the past."

Green Leaf Loan Group would like to thank Robert Goode for his assistance and for providing a through and thoughtful review of our services.

A pay day loan can help the neediest Americans receive the cash they need, By Mindy Lobo - Updated Today