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Of course instant approvals are not guaranteed and depend on a variety of factors, however many people I know have had success following a very similar time table.
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(c) Presumption of unaffordability for a covered short-term loan following a covered longer-term balloon-payment loan made under § 1041.
I would pass based on that alone, it would report as a revolving account and you already have revolvers.
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Moreover, based on the Bureau's data analysis as noted above, the regulatory frameworks in most States do not appear to have had a significant impact on reducing reborrowing and other harms that confront consumers of short-term loans.
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