It does not matter if you have a bad credit history or even if you have lots of debt on you. They may ask you to pay the money in smaller installments. All you simply need do is to present documentation verifying your income. Usually, only individuals with valid checking bank account could request for and get approved for a payday loan; however that is not a prerequisite now. Consider applying for a speedy cash loan through a reputable company instead. The fee you will be charged for borrowing the money will be based on the amount that you borrow and your monthly income will determine the amount you can borrow.