If you happen to've already received a payday loan, don't panic. In your payment plan, put down the minimal amount you'll be able to comfortably pay each month and persist with it. However, whenever you get any further income , pay greater than what is in your price range and plan. Banks and other lenders usually require good credit (above 689 FICO) to qualify. Applying for instant loans could be very simple and normally takes couple of minutes.