Bro I get all mine from my state's credit union. And the REAL hack is not to go into a local branch, but to call the 1-800 number on the back of your bank card and apply for the loan over the phone with some random call center rep. I ALWAYS get approved, every single time. I'm talking back to back to back to back loans. I think they get commission off how many loans they push through or something because they ask like 3 questions, put you on hold, and then come back and tell you they've emailed the paperwork to you and all you have to do is digitally sign it and email it back. An hour or so later the money be in my account lol. No waiting for approval, no talking to loan manager, no nothing. And I get the money, use it to make more money, pay the loan off, apply for another whenever I feel like it, wash rinse repeat lol.