Murray draws a big distinction between his company and others in the business. He says he's completely aboveboard and works only with partners he trusts. "We have a pretty limited network of lenders, quick loans for blacklisted clients citibank personal loan application status india know what each of our lenders is looking for," he says.

"So whether it's a certain state or other qualifications or characteristics of the customer, it will match the appropriate lender based on those things. " Murray says neither he nor his lenders resells personal data, like the kind I submitted.

But he says that others do, and that's likely what happened in my case. It doesn't take long online to discover there's a whole network of people trying to buy and sell payday loan leads. None of this surprises Benjamin Lawsky, the superintendent of financial services for New York state and one of many regulators trying to clamp down on payday lending.

"Once you made that application, you basically sent up a red flag with them that you are someone in need of this money, and you need it on a short-term basis," he told me.

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Quick loans for blacklisted clients