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Eligibility for a payday loan is determined by a number of factors. These will often deviate between the various lenders, although some universal requirements include having a bank account, being employed (with the salary paid to your account) and aged over 18 years old.
These short-term borrowing solutions are far more accessible than standard loans. Often you'll be able to get a near instant decision based on the details provided and have access to the money within 24 hours. The ease with which a payday loan can be secured has subsequently led to a huge upsurge in the number of applicants.
Not everybody is eligible though. Whilst the credit checks performed (if indeed credit checks are used at all) are far less strict than a more traditional loan, there are parameters set out by lenders to prevent those who can't afford repayments getting into further issues.
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