Payday Loan Requirements

What do you need to get a payday loan? The following are cash advance requirements:

  • Meet minimum age requirements
    (18 in most states)

  • Valid ID

  • Proof of steady income

  • Open and active checking account

  • Working phone number

What do you need to get a payday loan online?

A payday loan can help you get the cash you need to cover life's unexpected expenses. If you choose to apply for a payday loan online, you will typically need to enter the following information:

  • Personal information including your full name, address, phone number, Social Security Number, and a valid ID number

  • Income information including your income type, employer information (if applicable), your pay frequency, and your income amount (some states may require income verification, in which you will need to submit a payment stub or copy of a bank statement)

  • Banking information including your checking account number and routing number (this is used not only for loan repayment, but also to get your payday loan money to you)

  • Card information is sometimes collected if you choose to repay your payday loan using a debit card rather than an ACH payment

What do you need to get a payday loan in store?

Payday loan requirements are basically the same to apply in store and online. The main difference is that you will provide a post-dated check for repayment, as opposed to providing your bank account information. Some payday loan stores may offer the option for automatic payment via bank transfer or debit card.

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Not quite ready to apply? Learn more about how payday loans work.