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These types of loans were created to help an individual who has come into a financial crunch, but, does not have the perfect credit. When considering a cash advance or payday loan, always keep in mind that there are some requirements that must be met in order to apply for this type of loan. One of the good things about these loans is that the basic requirements do not consider your past or present credit history for getting the loan. Some of the requirements that these cash advance lenders will expect you to meet are: be of legal age, which is 18 years of age or older and have a steady and stable monthly income, possibly from a job. A third requirement, the lender will usually expect you to have an active checking or savings account. You can easily get on the internet and search for one of these cash advance or payday lenders sites. loan 20calculator student federal loans loan signing services 80/ loan calculator