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In order to get a payday loan you must be at least 18 years of age. You also need to have a bank account and a steady source of income. By law, you cannot get a loan in any form until you’re 18 years old, and the bank account provides somewhere for the lender to deposit the money. You need to earn at least $1,000 a month to ensure you have the ability to pay the loan back. Getting a payday loan. There is a simple online two step process to obtaining a payday loan through our network.