Requirements differ by lender and state, but most online payday lenders ask for a similar set of basics. Having them ready makes your application smoother.
Typical requirements checklist
- You are at least 18 years old
- You live in a state where the lender operates
- Government-issued ID
- Regular income, with pay stubs or benefit letters if requested
- An open checking account in your name
- A phone number and email address
Does income have to come from a job?
Not always. Some lenders accept regular benefits or other steady income. See loans on benefits income.
Credit history
Many payday lenders look at things other than a traditional credit score, but approval is never guaranteed and each lender decides for itself.
Get ready
Gather your documents, check your bank details and decide the smallest amount you need. Our requirements page has more.
Check Your Options Online
Fill in the secure form below. You will see the lender’s costs and terms before you accept anything.
Disclosure: CredQualify is not a lender and does not make credit decisions. We connect applicants with lenders in a network. Loan amounts, rates, fees and terms vary by lender and state, and funding times depend on the lender and your bank. Payday loans are expensive, short-term credit and should not be used as long-term financial solutions. Read the lender’s terms and see our Rates and Fees page before you accept any offer.