Law denial rate – even if you are a big skeptic of easy payday loans Columbus in Texas TX, recalls this option as the last instance when they are in a bind. The reason behind it is simple – there are only a few reasons why lenders can deny your application. The first one is personal. In simple words, this is when you a scammer yourself and put incorrect information, or simple inattentive and made a mistake in the application, which enables issuing a loan. Another one is technical – you don’t have an account, or it can’t be checked. In this case, it is impossible to deposit the funds.