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A good credit rating means that the borrower's credit score is above 700 on the FICO credit score range. Bad creditors can penetrate easily and the immediate approval of this plan is designed specifically for them. Depending on the loan and the conditions could total payments at the end is near the borrowed money, a high price to pay twice on a small loan. This usually includes the name, physical and postal addresses of the applicant, a form of photo ID, his or her employment information proof of income, and a copy of recent bank statement. Secured loans or unsecured loans given your financial status, you can choose one of two main types of loans. Charlene Mattson writes for 1 hour, Pay Day Advance, where you get a payday loan in one hour. The borrower should make sure that is an option