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Repaying payday loan debt is especially tedious if you have applied for the money in order to take care of various major financial issues. Most people forget to budget the return of a payday loan and tend to struggle when it comes to repayment. If you are stuck with numerous payday loan agreements that need your attention, then payday loan consolidation is something you should look into. For help, go to moneyadviceservice.org.uk 1. Source: National Mortgage News . second quarter 2013 report, based on total originations. You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. 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Homeowners in particular are frequent customers of companies who offer secured online loans. simply because they have a large amount of collateral, but may be struggling with other monetary problems, such as unpaid bills, council tax, sick leave from work, etc. It’s no good having the value of a home over your head, if you’ve got no money to feed yourself with, and although – as with all kinds of loans – there is the risk of losing the asset if repayments are not made, it can sometimes be beneficial to release some of the equity in a building, to allow for a certain amount of breathing space financially. 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