In the event that you are not matched with a lender, there are a few steps that you can take to remedy this: Try applying in regular business hours. Your bank account may not be set up for direct deposit services, in which case you should converse with your bank, then make contact with the lender again. If you have much outstanding debt, the lender may not be prepared to enter into a financial contract with you. In this event, make every effort to pay off the money that you already owe, and this will in turn improve your chances of getting a loan.