Each state has its own laws that shape lending, so it's important to check with your state department that oversees licensing and find out what the rules are for payday lenders.
When paying off debts, you must decide the order you are going to pay off your bills. You can avoid late fees, defaulting on payments, and paying high-interest rates by creating a solid debt repayment plan.
Traditional lenders want you to have a pretty good track record with no defaults and mostly on-time payments. Banks and even credit unions won’t consider your application if you have had some credit problems in the last several years.