The online pay day loans are available very easily nowadays. They are very easily obtained. The online pay day loans are very useful when a sudden emergency crisis hits your life. During such circumstances you are unable to organise for funds at a short notice. So the pay day online loans seem perfect here. There are certain instructions that need to be followed when you are applying for an online pay day loan.Pay day online loans are perfect solutions for short term money problems. They save the day when you having problem in paying your taxes or a sudden health problem. In the absence of such a loan, you will have to wait for your next pay check which is going to take. But it always advised to go for the pay day online loans when all your options have failed as these loans have very high interest rates. So make sure that you do not end up paying twice what you debited The procedure for applying for the pay day loan online is very easy. You will a few documents before you apply for the loan. These documents include financial and employment information. It also includes the last two recent pay stubs. Many of the lenders will need the pay checks of the last six months.Once your loan is approved, the loan amount is directly deposited in your account. You will need your routing number as well as an account number along with your next available check number. When you apply for a pay day loan online, you are actually giving your lender a post dated check to cash on the day you get paid.When all the documents are gathered together, you can look for an appropriate pay day lender. Compare rates of a no. of such lenders, their rates, applying process, customer reviews and complains etc. with all these comparisons you will get an idea of which one to choose. Generally people go for the ones that give you the lowest interest rates. Some lenders also offer first time customers a free or a half price loan.On narrowing down your choices, you can start the online application by filling all the required information. Be as accurate as possible and do not lie. You can also mention by when you will be needing the money.Next you will have to mention the first due date. Make sure that you pick the date most suitable for you. However, it is recommended that you are able to pay the borrowing amount in full on your next paycheck else the interest rates will go up.Once your application is submitted, you will get an email mentioning whether your loan is approved or not. If approved, the amount will be directed to your account automatically.