Now who wouldn’t want to have the cash he needed in a flash? I sure do! Yet is there really a way that we could get the money we need when we need it? There are countless financial institutions – both online and offline – in the USA (and all over the world for that matter) today. How many of them can actually give us the money we need within the amount of time that we need it? This is easy if we apply for the loan at least a month before we really need the money. But what if the need jumps up with almost no notice at all? Where do we run to for quick cash?

Lucky for us there are payday loans! Bad credit payday loans in your state & city are simply short term loans that are offered to the public who are in need of quick cash. They are not that different from any other loan except that they are available to more people and they can be acquired within a very short period of time – which is perfect for those unexpected needs that crop up every now and then.

Almost anyone can avail of a payday loan. Of course, there are certain requirements before a person can be approved but compared to other conventional loans, it is easy as pie. Different payday loan lenders naturally have different requirements, but they do have some common basic requirements. One of these is that the borrower must be at least 18 years old – that’s normal, most any other transaction would require such. Another thing is that the borrower must be a resident or a citizen of the USA. If you are in the USA and reading this, then I think that this requirement would not pose any problems, would it?

Another easy requirement is for the borrower to be able to prove that he has some sort of income coming in. This usually means having a stable job – one that you have had for at least 3 months. This period of time may also vary depending on the payday loan lender. Alternatively, if you own your own business, you only have to prove that as well. Proof can be pay stubs or certificate of employment or financial statements from your business.

Last, you need to have a current bank account. This is very important because this is where you will be getting your money from the payday loan. The payday loan lender will deposit the money straight into your account once the payday loan application has been approved. It can also be used as the means of repayment for the loan, doing away with the hassle of having to go pay it yourself.

As you can clearly see, payday loans can provide cash in a flash. In practical terms, this “flash” could be as short as several hours or it can extend to 24 hours. Still, that means that you will have the money in the shortest possible time! Where else can you get that kind of service?