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You have to fill in the online application form and upload scanned documents for identity proof, address proof and income proof to get your loan approved. In addition, you also need to provide your checking account details to have the amount credited to your account. Interest rate discounts may be available for customers with qualifying Wells Fargo checking accounts Payday loans (also referred to as cash advance loans or deferred deposit loans) are a type of short-term loan available to those needing access to immediate cash prior to an upcoming paycheck or income payment check, such as a social security check. Payday loans are high interest, unsecured loans with minimal requirements for approval.