What do I need to get a Cash Advance (Payday Loan)? To qualify for a loan, you must provide personal identification, proof of income, a bank statement and a personal check. In many states you can provide a debit card or ACH authorization if you do not have a personal check.
According to the government’s Consumer Financial Protection Bureau (CFPB), to qualify for a loan, most payday lenders only require that borrowers: Be at least 18 years old; Have an active checking account; and. Provide some proof of income as well as valid identification.