What You Need to Apply for a Payday Loan | MoneyKeyPayday loans for blacklisted people with no paperwork - FinderCash Advance Payday Loans - AmscotCash Advance Payday Loans - Amscot02/06/2017 · Generally, payday lenders require you to have: An active bank, credit union, or prepaid card account. Proof or verification of income from a job or other source. Valid identification, and be at least 18 years ;· What Do You Need to Apply for a Payday Loan? While different financial institutions will require different qualifications and information, when you apply for a payday loan you may see some similarities with different vendors. Some of these qualifications may include things like being of legal age to contract in your state, having an active bank account, and showing proof of Customers: For consumer questions or complaints regarding payday loans and/or title loans you may contact our Customer Service Department toll-free at (866) 258-4672. You may also contact our regulator The Utah Department of Financial Institutions at (801) ;· Most lenders require you to at least be 18 years old, a SA citizen or permanent resident and have a steady source of income. Beyond that, you may need to provide some of the following information on their respective online forms: A valid form of identificationIf you’re applying for an installment loan online, you’ll need to: Be at least 18 years of age to apply. Reside in the state you choose for your loan application. Have a valid Social Security Number or Individual Taxpayer Identification Number.