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We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy. The bottom line on payday loans: Try to find an alternative. If you must use one, try to limit the amount. Borrow only as much as you can afford to pay with your next paycheck â and still have enough to make it to next payday. Consumers must meet certain qualifications in order to apply for an online loan or cash advance. Borrowers must be at least 18 years old, have a checking or savings account with direct deposit abilities, and have steady employment or be on Social Security. In most situations, the borrower would not need to fax any additional information in order to qualify for online loans.
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