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- You must be aged (e) 21 years or more. Best Payday Companies Well, maybe the regulators are a little pissed that people with bad credit are still allowed to borrow money, but they'll get over it. To apply for cash loans you have to: be above 18 years of age, be a U.S. citizen, have steady income and a savings account. Once the necessary requirements and forms are completed and your savings account is properly verified, you can immediately receive cash loans.
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