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These loans start at 1,000, normally paid back over 90 days to 1 year. What are the minimum requirements for one to qualify for a payday loan. If youre seeking for a payday loan, you must: Be over 18 years of age Be employed Have a fast cash loans barrie and active bank account Have a monthly income of over 1,000. Credit score, does payday loan affect my fico score. Generally, payday loan history is not captured in credit reports. However, some credit reporting agencies may collect your payday loan repayment history.
And its most likely some lenders may want to get such reports when evaluating your creditworthiness for future loans. Also, if you have an outstanding payday loan and it is sold to a debt collector by your lender; fast cash loans barrie debt collector may possibly report your debt to a major credit bureau.
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Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. How to Get a Loan Today Without a Bank Account.