I've been lucky to never have the need for a Payday Loan. We used to have some guys who cleaned our house that used them quite often. Well, apparently you can get them online now (who knew?) These payday loans have no application fee and they only take minutes to apply for online using a secure server. You must be at least 18 years old, have a reliable source of income (even part-time jobs count!) have a savings or checking account and be a US resident. Even if your credit is less than perfect, you can get Bad Credit Payday Loans. It's good to know that service is there if you need it.