Too Many Payday Requests: People who request payday loans from multiple sources often fail to impress the lenders. Whenever you apply, the information is stored in a common database. As such, all lenders will be able to determine whether you are submitting applications to others too. Payday lenders want to avoid getting multiple loans at once due to the high default rate. For this reason, whether you meet all the core qualification criteria, you can expect the lenders to reject your application automatically if you are a victim of this practice.