LOAN APPLICATION
This Loan business is definitely a good money maker if you get good fulls and Photoshop skills (or pay to get scans done).
GENERAL
Get Fullz that contains all the relevant information for the person. You can have The Main Phone and Work Phone associated Skype accounts (optional). Lenders will call them both frequently, so make sure you’re around to pick them up. Usually it’s simplest to have the personal number forward to a prepaid (you’ll get the most calls there) and have the Work Skype open so you can answer those calls.
YOU NEEED TO HAVE VOICEMAILS on both numbers! If a lender calls and there’s no voicemail, they
get suspicious. For the work number, make up the name of a supervisor and record the voicemail as him.(Obviously you need to change your voice a bit, or have someone else do it so they don’t sound identical).
MAKE SURE THAT THE COMPANY NAME IS ON THE WORK VOICEMAIL! Usually when lenders call the work number they want to talk to a supervisor and verify that it’s a real company and that the person is employed there. MAKE SURE YOU TEST THE VOIECMAILS BY CALLING THE NUMBERS BEFORE YOU GET STARTED! Sometimes there can be unanticipated problems.
Try and fake the person’s pay dates. IT IS VERY IMPORTANT that they match up with the docs we’re going to send.
All of them are FAKE, so you CANNOT have a lender call the bank to verify! (More on that later)
APPLICATIONS
Refer to the List for sites to apply with (ALSO AT THE END) . You can also find more by googling “payday loans”. The list is split up into two halves. The top half are websites at which we
have gotten approvals at some point. The bottom half, we have not, but that does not necessarily mean they are bad websites, we just haven’t tried most of them enough times to know for sure.
DO NOT USE TOR TO APPLY!!
Most of these sites will decline you right away if they detect anything fishy about your IP address. You need to either be physically in the US and use a prepaid modem or if you’re outside the US, use a VPN. You need to have a clean US IP address, a Tor exit node won’t cut it.
There are essentially 2 types of websites:
1. Forwarding websites. They don’t provide the loan themselves but instead forward the application to other websites or companies that do everything by phone. These sites are in the top half of the list. They can be the most efficient way to apply, as they give you a way to quickly reach a bunch of companies. If you get approved at one of these, APPLY AGAIN! And keep applying until you start getting rejected. It’s possible to get 34 approvals in a row at some of them.
2. Those that do the loan themselves. You apply at the site directly and it either approves or rejects the loan. Those are on the top half of the list. Once you do all the forwarding sites,
apply directly to all of these that you were not approved at through a forwarding site. Very frequently you’ll get rejected by a forwarding site, but will be approved at one of the direct ones.
Why apps get approved and rejected? NO FUCKING CLUE! Seems to be almost random. Similar people
from the same state get approved by some and rejected by others, and it’s almost always different. If you can figure out a pattern, let me know.
Most websites ask how much you want to apply for. If it says something like “additional verification will be required above amount x” obviously pick the amount just below that. If not, $400 seems to be the magic number that gets the most approvals, so put that. If they ask for how you get paid, direct deposit or check, always say it’s direct deposit to a checking account.
Most websites will ask you for a home and a cell number. Typically you can either leave blank or put the same number for home and cell. For the few sites that give you an error and insist on two separate numbers, enter the home number as the main one and use any other number. If they reach you at the first, they won’t call the second.
