Firstly, as mentioned above by applying online you save time, but it is not only that, you can compare and research several lenders by using internet, then write down different interest rates for later analysis. read terms and condition as well, just in case you need an extension over your short term loan.
Secondly, Make sure you have enough funds in your account in order to pay back your pay day loan, this way you avoid late fees, there is no benefit getting the cheaper interest rate if you pay the highest on late fees. The cheaper payday loan should be rated when the loan is paid off and not at the beginning
Thirdly, make you an expert negotiating, try to get the best deal, remember that payday loan lenders face fierce competition nowadays, so take advantage of it.
Last but not least, once you paid on time your pay day online, then you have more negotiating power, after all, you are a good customer now, aren't you? Considering an improved credit score plus you paid on time, you will be surprised with a good offer from you cash advance lender.
By the way, by researching and comparing the several direct cash advance lenders in the market, you will be able to determine the one that meets your specific financial situation, plus the cheaper interest rates offered. This way you will save time getting the cash you need in the shortest period of time and money by saving on commissions.