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If you have long term debt problems, or are struggling on social security benefits, or a very low income, then a Payday loan may not the best option for you. Payday loans are short term loans and can be expensive if they are not repaid fully on the agreed date.
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You initially called and asked for help, so call again and ask for a better understanding. Any good payday loan service will explain the reasons for disqualifying your application. As upsetting as it may be to be rejected by a direct lender, you will now have a direction to better your financial outlook. By the way, any service provided by an actual direct lender or servicing company is free. The only fee you should ever pay would not be collected until an actual loan due date. Don't get caught up in someone trying to take advantage of your financial state.
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