If you need a 1500 dollar loan you may want to take a bank loan, not a payday loan. The fact with the 1500 payday loan is that people struggling with financial problems, having very bad credit or not so good credit (I know people with credit under 550 or even 500) will have more problems with getting a payday. If you get a 1500 payday you're going to have 14-30 days in oder to pay it, after that you have a penalty. How much are you going to give back? 1500 dollars? No. For every 100 dollars you're going to give back at least 10-20$, so for 1500 you're going to give at least 300 dollars back on your next payday.

   Short term cash loans are so called "good" when you have some lack of finance. The fact is that most of the payday lenders are going to require at least 4 weeks in order to give the money back, and because of that most of the people are trying to get so called non payday loans. One thing you have to figure in mind is that if you're already having financial problems then you don't have to make it worse - do you really need those 1500 dollars? Do you need more, do you need less? You need to pay your bills? Have you lost your job? Are you between jobs and you need 1500$ in order to pay some debts? You need to put yourself this question in order to find the best decision you could make, either you're not going to stay afloat. 

This is a common question for young creditors (that have made terrible things in the past and now have a horrible credit), for disabled persons that are unemployed and have no place to work or can't work and even for people who just got fired.

One common mistake and the easiest mistake you could make is to go to payday lenders or loan sharks. I don't tell you not to do it, I tell you that you may have to think about it, before doing it. If you take 1500 then you're going to pay a lot more in the end, and if you don't have, let's say, more than 3000 or more monthly income, how you're going to pay off your bills and so on? Yes, it's easy to take this kind of loans, you can get them altough you have been refused by the bank, or even if you don't have a checking account, but it's worth to play with your financial situation? Have you tried a crisis loan? Have you tried getting money from the parents, family or other relatives you know? Have they turned you down? Think about your options.

What if you choose a payday loan, how long does it take to pay it back and how much are you going to pay back?

This is a good question, and most of the people don't really know to many about this, before getting into the real deal. If you earn less than $1000 a month, or you have no job and being out of money, I suggest that you think about your options before even considering a payday loan on 1500 dollars. Most of the payday lenders are not even going to consider you, not because of the bad credit, but of the low income. You need to earn something like the payday loan + interest rate, which is kinda big, in order to get it. You have anywhere to 2 weeks (14 days) to a month to pay it.

What if you have a hard time at the bank?

Having a hard time at the bank means that you have a poor credit - face it.  If you want to buy a car or something, then the best thing you could do would be to go to an auto lender or something like this, to see if you have any chance. If you want something really legit and not to rip you with huge interest rates, then you're going to need to repair your credit score or ask some friends. 

Can you get something without a job verification?

If you need to get a 1500 loan with no job verification, get away from payday loans. Go ask your parents to cosign you (if they have a good credit) or go get a job. 

   This is another common question, somehow like the situation with bad credit, or another option you have for a bad credit. If you have late payments, that are affecting your credit history, my advice is not to get a payday loan. 

   Don't take a payday loan just to pay your bills, because this is not necesary going to help you fix the credit and then have a nice life, but make it worse. If you do have a good credit (unlikely), then you could get some unsecured loan from the bank, altough the minimum money you could get for an unsecured loan is something like 3000$.

   In the case you want 1500 dollar loan, but not a payday loan, in order to pay your rent or something I would suggest one of the following options: go to a bank, or a credit union, or even your bank,  do a cash advance with your credit card, get a job.. Hmm.. we all need to borrow money, but what if you stay a little and make some money? Sell some stuff, make some money on the net, invest some money, don't just take money.

   For example if you want to take an unsecured personal loan from Wells Fargo bank I've seen that they do have an online application and give you a credit decision in 2 hours - the reality is that you could get the money in 1 business day, but the fact is that they only give money from $3000 or more. But, you could get the application online and see if you can get some money and you qualify for the job. I suggested you a bank because this actually works and you could get the money. 

   This is the worse case - if you're unemployed and even broke, you're not going to get any payday loan right now, even if you have an emergency. It does not matter if you have been in hospital or you have a medical bill, or you're so old but you can't pay your rent. The truth is that you have to be at least 18 year old to take the payday, to have an active checking account for 3-4 months or more (if you have no bank or checking account then you may have some problems, maybe with a savings account if you have a legit bank account number you could get some money, altough I don't really think so) and have a good job.

   Also, think about the fact that your interest for a payday is going to be somelike 400% or even 500% APR. I've seen in the news that the payday industry has recently goten a new competitor, from the actual big banks (altough you may need a good credit) and the APR is somelike ~120%, which is very very good, compared with the private lenders.  

   This is the actual case for college students or 18 year old trying to get their new car. There are also some type of people, college students that have no family and they are single, having no option to cosign someone or even to get the money they need, to buy a car or to continue their study. You know by know that being a student, not making more than 1000-1500$ per month, or being a part time employee with a low income is not going to give you any money from payday lenders. 

   Have you tried a bank loan? Even if you have no credit history. If you have a hard time with your bills or school money, then you may get some payday loan from the banks, or even a small loan. Go to your local bank, you could make a credit line there, talk your options. You can even check online because there are a lot of big banks who have their applications online and you could see if you qualify for some money. 

   If you don't have a collateral, or is all you really have (a car, for example) don't put it, but you have to know that getting 1000-1500$ is not going to happen unsecured. You may go to a bank, you could give them the title of your car, if you're struggling to much and be sure you don't make any mistakes in the future, pay your bills in time and everything it's going to be ok, no late payments. Have you tried American General Finance? It's easy to work with them, altough you may have to give them a collateral - please consider that giving them a collateral means that you're going to pay them the money, or else they can get your money by selling your collateral. 

   if you are 16-18 (less than 18 year old) and you need to get 1500 or more, then you're not in luck. If your parents do have a bad credit history and they want to cosign you, then you're going to face the truth and being denied everywhere. Better get yourself some job, make a credit history, no late payment so that in the future you could get the car you want. You could also check for some auto loan from the banks, or your parents, or an used car, to see if you're going to get something.