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4.  What do you need to get approved for payday loans in USA?

Although the requirements of different lenders vary, applicants usually have to fulfill some basic requirements to be approved for payday loans.

Some of these requirements are mentioned here: 

  1. You need to be no less than 18 years old.
  2. You need to have a savings or checking account that was opened no less than one month before applying for a loan.
  3. You need to have a regular source of income that can be verified. You may have to provide your last pay stub or some other proof of income.
  4. You need to have a valid Social Security number
  5. You need to have a driver’s license / government issued photo ID
  6. You need to have a phone number at which you can be contacted
  7. You need to be a resident of the state in which you apply, even if you apply online
  8. You must not presently be a debtor in a case of bankruptcy or plan to file for bankruptcy relief voluntarily

What does John Oliver Think About It?

You ask we answer


How can I take out a cash advance loan?

All you need to do is to fill out the online application form on our website and submit it. We will try to connect you to a suitable lender within minutes.

If we find a suitable lender, you may be asked to sign electronically to accept the loan terms. You will not be under any obligation to accept the loan offer. There is no need to sign if you are not satisfied with the terms. You can apply again if you want to look for another lender.

The lender will usually deposit the loan amount electronically into your bank account on the following business day. In most cases you can choose a payment option that suits you. Your lender will process all payments from your banking account via electronic transfer.

How soon can I get the money?

Lenders who offer personal loans usually process applications immediately, so you could have the funds in your account on the next business day after you are approved. If you submit your application on a holiday or weekend, the lender will transfer the funds on the following business day. 

What do I need to get a payday cash loan?

You need to be at least 18 years old, have a steady source of income and have an active bank account. To qualify for a loan, you will have to fulfill the approval criteria of the lending company with which you are matched.

If an assigned lending company accepts your loan application, it may get in touch with you directly to request more information which may be needed for approval. Please fill out facts that can be verified in our application form.

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