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Although SoFi initially targeted a very select group of universities (it started with Stanford), now almost anyone can
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Thats because once a check is signed it becomes legal tender, and, according to the Consumer Financial Protection Bureau, banks and credit unions can generally use their own discretion when deciding when to process a check
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This can, unfortunately, become a vicious circle of taking out payday loans and rolling them over.
First, the requirement applies when a transfer is for the purpose of collecting a payment that is not specified by date on the payment schedule, including, for example, a one-time electronic payment transfer to collect a late fee.
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Borrowers who had not recently had a payday loan but could not demonstrate an ability to repay the loan would be unable to take out a payday loan.
But each lender will assess risks differently so shopping around can help.
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They want to make it easy for people to shop for a loan, believing that you should be able to get your interest rate without hurting your score