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Presidents' Day promo is on Monday, Feb 20 Consider Requesting One from Your Company Every lender makes the approval decision based on their specific standards and requirements. This website is not a lender and does not play a role in the approval process. Not all applicants will qualify for a payday loan. Lenders will generally consider an applicant's current level of income, credit history, and amount of outstanding debt when determining a loan amount to approve. There is no guarantee for what loan amount an applicant will be approved for, if any.