{"id":2745,"date":"2022-04-12T11:56:45","date_gmt":"2022-04-12T15:56:45","guid":{"rendered":"https:\/\/capitalbean.com\/?p=2745"},"modified":"2023-07-14T09:33:08","modified_gmt":"2023-07-14T13:33:08","slug":"do-payday-loans-affect-you-getting-a-mortgage","status":"publish","type":"post","link":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/","title":{"rendered":"Do Payday Loans Affect Mortgage Application?"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]It&#8217;s very common for people to turn to <a href=\"https:\/\/capitalbean.com\/payday-loans\/\">direct payday loans<\/a>\u00a0as a short-term fix to plug a gap in finances. This could be anywhere from emergency boiler maintenance to fixing a leaky roof to paying an unexpected medical bill. However using this form of high interest loan could impact your chances of being approved for a mortgage.<\/p>\n<p>Many mortgage brokers will decline your application if you&#8217;ve ever used a payday loan, especially if it&#8217;s been taken out in the past couple of months or years. If you have taken out a payday loan then there are steps you can take to increase your chances of being accepted for a mortgage.<\/p>\n<p>We&#8217;ve written a guide below about how to get a mortgage after you&#8217;ve taken out a payday loan. You&#8217;ll learn about how this type of lending impacts a mortgage application and how you can increase your chances of being accepted, especially if you&#8217;ve taken out a payday loan in the past.<\/p>\n<h2>Key Takeaways<\/h2>\n<ul>\n<li>You can get a mortgage after you get a payday loan but it does make it more difficult.<\/li>\n<li>Many homeowners turn to payday loans to get them through to the end of the month.<\/li>\n<li>It is difficult but not impossible to get a mortgage if you&#8217;ve been in financial trouble.<\/li>\n<li>Make sure your credit score is not impacted by paying back your payday loan quickly and on time.<\/li>\n<\/ul>\n<h2><\/h2>\n<h2>Can I Get A Mortgage After I&#8217;ve Taken Out A Payday Loan?<\/h2>\n<p>Luckily, yes, it is possible to get a mortgage after using a payday loan. The article will explain further that most borrowers are declined if they&#8217;ve recently used a payday loan. In some cases you can be declined if it shows in your credit history over the last 6 years.<\/p>\n<p>There are a number of factors that impact whether you&#8217;ll be considered for a mortgage and this includes how regularly you took out payday loans, your loan to value ratio (LTV) And whether you faced any other credit difficulties in the past. As with any mortgage the larger the amount of a deposit you&#8217;re able to put down the higher your chances are of approval.<\/p>\n<p>If you also have bad credit on your credit history as well as payday loans, the chances you&#8217;ll get a mortgage are lower but not necessarily impossible. There are still many factors that lenders will take into account when considering application and these might be your age, reasons for bad credit, and the severity of your debt.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/qU9loCsMO24\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<h2>Why Don&#8217;t Mortgage Lenders Like Payday Loans?<\/h2>\n<p>Most lenders are hesitant to give people a mortgage with payday loans on their credit history. Their rationale is that if you&#8217;ve had to rely on payday loans to make payments in the past this might continue in the future. This could impact how and when you make repayments to the lender.<\/p>\n<p>Lenders make assumptions and one of these is that if you&#8217;ve used a payday loan or <a href=\"https:\/\/capitalbean.com\/fast-cash-loans\/\">fast cash loan<\/a>, you don&#8217;t have a strong financial base. This means that payday loans ring bells for lenders.<\/p>\n<p>&nbsp;<\/p>\n<h2>Do Payday Loans Affect A Mortgage?<\/h2>\n<p>If you have taken a payday loan in the past don&#8217;t panic. There are still lenders that will consider your application. There&#8217;s also some pretty good rates available. The key is making sure you speak to the right lender.<\/p>\n<p>The first thing to keep in mind is to go to a lender who accepts mortgage applications from those who&#8217;ve had payday loans. If lender one does not accept applications from those with payday loans but lender two does then you need to go to lender two. When written like this it might seem straightforward but it&#8217;s important to make sure you know where to look for this information.<\/p>\n<p>Mortgage brokers don&#8217;t always have the criteria easily available and don&#8217;t always discuss how payday loans impact application rates.<\/p>\n<p>&nbsp;<\/p>\n<h2>How Can I Get A Mortgage After Using A Payday Loan?<\/h2>\n<h3><strong>Below Are The Steps You Should Follow:<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><strong>Talk to the professionals<\/strong> &#8211; The mortgage market can be very difficult to navigate if you&#8217;ve used a payday product in the past. Many providers will automatically decline your application and in some cases they&#8217;ll increase their interest rates. A starting point would be to speak to a broker who specializes in mortgages for those who use payday loans. They&#8217;ll be able to tell you exactly how long you should wait before applying for a mortgage and what you can do to improve your chances of approval.<\/p>\n<p><strong>Look at your credit reports<\/strong> &#8211; If you have used payday loans in the past and it&#8217;s important to make sure the rest of your credit report is as good as possible. <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-get-a-copy-of-my-credit-reports-en-5\/\">Download a credit report<\/a> for one of the big three bureaus and look through it carefully. Make sure there are no inaccuracies or errors in the file. If you do find errors or old accounts that have not been taken off then you can challenge them directly with your bureau. If you&#8217;re working with an expert in the payday loans mortgage space then they can tell you how to optimize your credit report ahead of your application.<\/p>\n<p><strong>Prepare your documents<\/strong> &#8211; making sure you have all the documents you need in advance of your application will save you time. Your broker can make sure you have all the right documents and in the right order.<\/p>\n<p>After you&#8217;ve completed these three steps your mortgage broker can put together a list of lenders for most likely to approve your application. Some lenders will start with an agreement and principal but others like to go straight to the full agreement.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Will I Get A Mortgage From My Bank After Using A Payday Loan?<\/strong><\/h2>\n<p>Most borrowers will start with a lender in their local town or city and be immediately declined. At this point many borrowers give up altogether.<\/p>\n<p>This is not always the best option and by working with an expert you can make sure you know who the best lender is to approach. This knowledge will give you a structured approach to your mortgage application process which is exactly what you&#8217;ll need to do if you&#8217;ve used payday loans.<\/p>\n<p>You want to make sure that you&#8217;re applying to a lender who accepts payday loans on credit records because if you\u2019re declined this will cost you time and money and could impact your credit record further.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>My Payday Loan Was 5 Years Ago &#8211; Will This Impact My Mortgage Application? <\/strong><\/h2>\n<p>When you take out the payday loan makes a huge difference to the application. If your last payday loan was 6 years ago then it should be pretty easy to apply for a mortgage. This is especially true if your credit record is in good standing otherwise.<\/p>\n<p>If you&#8217;ve used a payday loan more recently than 5 years then it could be more challenging to get a mortgage. Challenging but not impossible.<\/p>\n<p>It&#8217;s important to note that some lenders will reject you for a mortgage if you&#8217;ve ever used a payday loan. Even if it was over 10 years ago you still have a mark on your file and lenders could see that as a red flag.<\/p>\n<p>With that in mind it&#8217;s good to know that there are lenders in the market who lend to those who&#8217;ve used payday loans in the past.<\/p>\n<p>&nbsp;<\/p>\n[\/vc_column_text][toggles style=&#8221;default&#8221;][toggle color=&#8221;Default&#8221; title=&#8221;Related Content&#8221;][vc_column_text]\n<ul>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/should-i-pay-my-mortgage-bi-weekly\/\">Should I Pay My Mortgage Bi-Weekly?<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/buying-a-house-2022\/\">Should I Buy A House In 2022?<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/tax-deductions-for-home-owners\/\">Tax Deductions For Home Owners<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/home-improvements-do-it-yourself-or-hire-a-pro\/\">Home Improvements You Can Do Yourself<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/how-to-save-money-on-home-improvements\/\">How To Save Money On Home Improvements<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/how-can-i-make-my-home-more-energy-efficient\/\">How To Make Your Home More Energy Efficient<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/15-ways-to-lower-energy-bills\/\">15 Ways To Lower Your Energy Bills<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/add-value-to-your-home-with-these-home-improvements\/\">Add Value To Your Home With These Home Improvements<\/a><\/li>\n<li><a href=\"https:\/\/capitalbean.com\/guides\/how-to-buy-a-home\/\">How To Buy A Home<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221;&#8230;<\/p>\n","protected":false},"author":5,"featured_media":2747,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"_yoast_wpseo_title":null,"_yoast_wpseo_metadesc":"Yes - using a payday loan can impact your ability to get a mortgage. Read our guide to find out the impact and what you can do to improve your changes of getting a mortgage. Read our guide here >>","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do Payday Loans Affect Mortgage Application? | Capital Bean<\/title>\n<meta name=\"description\" content=\"Yes - using a payday loan can impact your ability to get a mortgage. Read our guide to find out the impact and what you can do to improve your changes of getting a mortgage. Read our guide here &gt;&gt;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do Payday Loans Affect Mortgage Application? | Capital Bean\" \/>\n<meta property=\"og:description\" content=\"Yes - using a payday loan can impact your ability to get a mortgage. Read our guide to find out the impact and what you can do to improve your changes of getting a mortgage. Read our guide here &gt;&gt;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Capital Bean\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Dime-Alley-108098891717247\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-12T15:56:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-14T13:33:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta property=\"og:image:height\" content=\"2100\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@miles@tcmarketing.co.uk\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Richard Allan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/capitalbean.com\/#organization\",\"name\":\"Capital Bean\",\"url\":\"https:\/\/capitalbean.com\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/Dime-Alley-108098891717247\",\"https:\/\/www.linkedin.com\/in\/dime-alley\/\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/capitalbean.com\/#logo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/logo-pnk.png\",\"contentUrl\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/logo-pnk.png\",\"width\":627,\"height\":312,\"caption\":\"Capital Bean\"},\"image\":{\"@id\":\"https:\/\/capitalbean.com\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/capitalbean.com\/#website\",\"url\":\"https:\/\/capitalbean.com\/\",\"name\":\"Capital Bean\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/capitalbean.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/capitalbean.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg\",\"contentUrl\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg\",\"width\":1400,\"height\":2100,\"caption\":\"payday-loans-mortgage\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#webpage\",\"url\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/\",\"name\":\"Do Payday Loans Affect Mortgage Application? | Capital Bean\",\"isPartOf\":{\"@id\":\"https:\/\/capitalbean.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#primaryimage\"},\"datePublished\":\"2022-04-12T15:56:45+00:00\",\"dateModified\":\"2023-07-14T13:33:08+00:00\",\"description\":\"Yes - using a payday loan can impact your ability to get a mortgage. Read our guide to find out the impact and what you can do to improve your changes of getting a mortgage. Read our guide here >>\",\"breadcrumb\":{\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/capitalbean.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Do Payday Loans Affect Mortgage Application?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#webpage\"},\"author\":{\"@id\":\"https:\/\/capitalbean.com\/#\/schema\/person\/95ed611fde9051163333c289b503fcb0\"},\"headline\":\"Do Payday Loans Affect Mortgage Application?\",\"datePublished\":\"2022-04-12T15:56:45+00:00\",\"dateModified\":\"2023-07-14T13:33:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#webpage\"},\"wordCount\":1446,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/capitalbean.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg\",\"articleSection\":[\"Guides\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#respond\"]}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/capitalbean.com\/#\/schema\/person\/95ed611fde9051163333c289b503fcb0\",\"name\":\"Richard Allan\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/capitalbean.com\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e2c1260c5d3c30972b38caa2a91dea3d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e2c1260c5d3c30972b38caa2a91dea3d?s=96&d=mm&r=g\",\"caption\":\"Richard Allan\"},\"description\":\"Richard Allan is the founder of Capital Bean and a passionate writer about personal finance, budgeting and how to save money at home and work.\",\"sameAs\":[\"https:\/\/twitter.com\/miles@tcmarketing.co.uk\"],\"url\":\"https:\/\/capitalbean.com\/guides\/author\/andrew\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Do Payday Loans Affect Mortgage Application? | Capital Bean","description":"Yes - using a payday loan can impact your ability to get a mortgage. Read our guide to find out the impact and what you can do to improve your changes of getting a mortgage. Read our guide here >>","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/","og_locale":"en_US","og_type":"article","og_title":"Do Payday Loans Affect Mortgage Application? | Capital Bean","og_description":"Yes - using a payday loan can impact your ability to get a mortgage. Read our guide to find out the impact and what you can do to improve your changes of getting a mortgage. Read our guide here >>","og_url":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/","og_site_name":"Capital Bean","article_publisher":"https:\/\/www.facebook.com\/Dime-Alley-108098891717247","article_published_time":"2022-04-12T15:56:45+00:00","article_modified_time":"2023-07-14T13:33:08+00:00","og_image":[{"width":1400,"height":2100,"url":"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@miles@tcmarketing.co.uk","twitter_misc":{"Written by":"Richard Allan","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/capitalbean.com\/#organization","name":"Capital Bean","url":"https:\/\/capitalbean.com\/","sameAs":["https:\/\/www.facebook.com\/Dime-Alley-108098891717247","https:\/\/www.linkedin.com\/in\/dime-alley\/"],"logo":{"@type":"ImageObject","@id":"https:\/\/capitalbean.com\/#logo","inLanguage":"en-US","url":"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/logo-pnk.png","contentUrl":"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/logo-pnk.png","width":627,"height":312,"caption":"Capital Bean"},"image":{"@id":"https:\/\/capitalbean.com\/#logo"}},{"@type":"WebSite","@id":"https:\/\/capitalbean.com\/#website","url":"https:\/\/capitalbean.com\/","name":"Capital Bean","description":"","publisher":{"@id":"https:\/\/capitalbean.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/capitalbean.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#primaryimage","inLanguage":"en-US","url":"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg","contentUrl":"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg","width":1400,"height":2100,"caption":"payday-loans-mortgage"},{"@type":"WebPage","@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#webpage","url":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/","name":"Do Payday Loans Affect Mortgage Application? | Capital Bean","isPartOf":{"@id":"https:\/\/capitalbean.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#primaryimage"},"datePublished":"2022-04-12T15:56:45+00:00","dateModified":"2023-07-14T13:33:08+00:00","description":"Yes - using a payday loan can impact your ability to get a mortgage. Read our guide to find out the impact and what you can do to improve your changes of getting a mortgage. Read our guide here >>","breadcrumb":{"@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/capitalbean.com\/"},{"@type":"ListItem","position":2,"name":"Do Payday Loans Affect Mortgage Application?"}]},{"@type":"Article","@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#article","isPartOf":{"@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#webpage"},"author":{"@id":"https:\/\/capitalbean.com\/#\/schema\/person\/95ed611fde9051163333c289b503fcb0"},"headline":"Do Payday Loans Affect Mortgage Application?","datePublished":"2022-04-12T15:56:45+00:00","dateModified":"2023-07-14T13:33:08+00:00","mainEntityOfPage":{"@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#webpage"},"wordCount":1446,"commentCount":0,"publisher":{"@id":"https:\/\/capitalbean.com\/#organization"},"image":{"@id":"https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#primaryimage"},"thumbnailUrl":"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/04\/payday-loans-mortgage-scaled-e1662066493296.jpg","articleSection":["Guides"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/capitalbean.com\/guides\/do-payday-loans-affect-you-getting-a-mortgage\/#respond"]}]},{"@type":"Person","@id":"https:\/\/capitalbean.com\/#\/schema\/person\/95ed611fde9051163333c289b503fcb0","name":"Richard Allan","image":{"@type":"ImageObject","@id":"https:\/\/capitalbean.com\/#personlogo","inLanguage":"en-US","url":"https:\/\/secure.gravatar.com\/avatar\/e2c1260c5d3c30972b38caa2a91dea3d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e2c1260c5d3c30972b38caa2a91dea3d?s=96&d=mm&r=g","caption":"Richard Allan"},"description":"Richard Allan is the founder of Capital Bean and a passionate writer about personal finance, budgeting and how to save money at home and work.","sameAs":["https:\/\/twitter.com\/miles@tcmarketing.co.uk"],"url":"https:\/\/capitalbean.com\/guides\/author\/andrew\/"}]}},"_links":{"self":[{"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/posts\/2745"}],"collection":[{"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/comments?post=2745"}],"version-history":[{"count":8,"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/posts\/2745\/revisions"}],"predecessor-version":[{"id":5557,"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/posts\/2745\/revisions\/5557"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/media\/2747"}],"wp:attachment":[{"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/media?parent=2745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/categories?post=2745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/capitalbean.com\/wp-json\/wp\/v2\/tags?post=2745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}