I did a manual payment for my PPWC loan back in March anticipating that it speed things up and I could apply for a new one quickly. I've had 12 loans totaling nearly a million dollars. All paid back early, all without issue. It seems like their system doesn't like manual payments...so when I did that, I applied when it cleared and was denied for the first time ever. It took me 6 months to get a new PPWC loan (September). This last one, the one I received in Sept, I just paid it off naturally at the end of December and when I got the email saying my loan cleared, I applied and got approved. I think payments to the PPWC loan from your bank (considered a manual payment) can be an issue.
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