There are no set cut-off times or days to request an online payday loan. You can do so 24/7 and 365 days a year. However, more lenders are working on non-holiday weekdays than any other time so try to submit your loan request from 7am to 6pm from any time zone.
If you have a low credit score, it is unlikely, if not impossible, to get a traditional bank loan. Banks view individuals with poor credit as high-risk borrowers. This means they expect you will default on your loan. But even if you have poor credit, you still have options for securing loans, especially emergency expenses.
