I recently applied for a short-term loan using PayDayOK.com. I met all of the published criteria for loan approval indicated on their web site. The published criteria states: Web Statement for Loan Approval: You need a job or proven source of income, an Email address, listed home phone, checking account in good standing, & must be at least 18 years of age. My loan was denied because my bank account had not been opened long enough (approx 2 mos). There was no mention of bank account duration anywhere on the PayDayOK web site. I then requested that all of my personal and financial information be removed from their systems. They denied my request to remove my personal information. PAYDAYOK IS A SCAM DESIGNED TO GATHER PERSONAL AND FINANCIAL INFORMATION FOR MARKETING ETC. DO NOT USE THIS SERVICE UNLESS YOU WANT TO BE A VICTIM OF IDENTITY THEFT OR AN INTERNET MARKETORS DREAM.