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What are the requirements for a Borrower to take out a payday loan?

Basic Requirements:

  1. Age: You must be at least 18 years old (or the age of majority in your state). This is a standard requirement for any type of loan or credit agreement.
  2. Legal Residency: You must be a legal resident or a citizen of the United States. Some lenders may also require that you reside in a specific state where they are licensed to operate.
  3. Valid Identification: You will need to provide a valid government-issued photo ID, such as a driver’s license, state ID, or passport. This is to verify your identity and legal residency.
  4. Proof of Income: You must demonstrate that you have a reliable source of income. This is usually verified by providing recent pay stubs, bank statements, or other proof of consistent income (like social security, pension, etc.). The amount of income needed can vary by lender, but it needs to be enough to reasonably repay the loan.
  5. Active Bank Account: You will need an active checking account in your name. Most payday lenders will require the loan to be deposited directly into your bank account, and they will also withdraw the repayment from the same account on the due date.