It is sometimes very difficult to get approved for a loan because there are certain requirements that you still need to meet. A great option is so-called “no teletrack payday loans” from companies like WithNoTeletrack. A co-signer can also help you in this process since it provides the lender with an additional guarantee. The main requirements lenders focus on are income and income to debt ratio. Learn how to manage your income and expenses properly and have a high credit score.