At Moneyboat, we only allow you to take out one payday loan at a time. While it's possible to take out multiple loans from different lenders, responsible payday loan direct lenders should reject applications from borrowers who may be taking on too much debt. Short-term loans like payday loans aren't meant to be a long-term solution, so it's best to take out only one loan at a time and make sure you can pay it back as agreed. Each lender has its own criteria, but they can use tools like Open Banking to see your income and expenditure. Whilst we also make use of innovative technology, occasionally we may ask to see your payslips or bank statements to verify your income and account details.