See our Reclaim Payday Loans for Free guide for full assist and a free complaints device to get you to the proper folks on the firm. This type of payday loan is made based mostly fully upon present employment and a bank account. Be very easy: "Are there any prepayment penalties related to this loan?" If the reply you receive is something aside from an absolute "no," chances are you'll be coping with an untrustworthy lender.