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You should first focus on paying off unsecured personal loans, followed by any secured loans you might have, because unsecured personal loans usually have higher rates. These also tend to have pretty high interest rates, but the good thing is that they also do not usually have high balances, so you might be able to pay it off quickly as well.<br><br>You must be 18 years old, US citizen, have a job for at least 3 months, and  can you get a payday loan on a saturday make $800.00 per month. Collateral is not needed for a payday loan.<br><br><br><br>On the GFE you will find several loan options. You will get an idea about the rates and fees. Ask them to provide low rate high closing cost quote, higher rate low closing cost quote, and a medium rate medium closing cost quote. After receiving these quotes from both of the lenders compare them again. Some loans have lower interest rate but higher costs, some loans have higher interest rate but lower costs. 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