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A great tip for anyone looking to take out a payday loan is to avoid giving your information to lender matching sites. Some payday loan sites match you with lenders by sharing your information. This can be quite risky and also lead to a lot of spam emails and unwanted calls. Cash Direct Deposited If you need to take out a payday loan online, you must have access to a computer with an Internet connection. You can open one of your favorite search engines and type in any other phrase that you believe will return the results youâre looking for. When you open one of the sites, you can find a loan application that you will have to fill out and submit to a lender. If your application is approved, you will be contacted by the lender to discuss further details. OneMain is not for those with bad credit. If you have several loans outstanding you might as well save yourself the time and not apply with them because you will not qualify. 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