After the online pay loan application form has been submitted, it is given a careful but fast examination on the part of the lender. The lender verifies whether or not data provided by the borrower is accurate and based on the borrower's income information, the lender approves the loan. This process can take as little as from few minutes to few hours. The borrowers' credit score isn't a decisive factor in pay loan instant approval. Lenders approve pay loans today based on the borrower's income amount and his/her capability to repay the loan in total. A bad credit score isn't a disqualifying factor in the online pay loans approval process.