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At this point the process falls into the hands of a lender. Once an application is received it will be viewed by lenders and if approved a lender will contact the individual and have the money electronically transferred into their bank account, often within just one business day. Individuals will need access to a printer to print out a copy of the loan agreement, and some lenders will require individuals to fax in copy of past pay stubs. Those without a fax machine can do this simply by going to a Kinko’s or FedEx store location.