It is so simple for customers to apply for this type of loan from their home. Using a home computer, a payday loan application can be found on line or you can make a call and a customer service representative will happily fill out an application for you. These loans are great for anyone and does not require that you have perfect credit. When your scheduled pay date arrives and you find it difficult to make your payment, an extension is possible for times like this. Once again, you can go online or make a call to make arrangement for an extension. For the first three extensions you make, a requirement of only a minimum finance charge is needed. Additional extensions will require an extra $50 payment toward the principle, if you loan is less that $600. If your loan is more than $600, a $100 payment is required. The fees for a loan are on a 14 day minimum whether you payoff early or not. Some customers are asked to fax bank information, which should be done as soon as possible. If you don’t have a fax, many public libraries and parcel posting businesses have them for use. Kink’s and Mailboxes Etc will also have them for the public to use.