Sometimes we have to face unexpected expenses which must be solved immediately. This is the moment we turn our eye to lending money for a short period of time before the payday comes. Payday loans are the best way to solve your financial problems for many reasons and the main of them is simplicity of getting qualified. Getting a payday loan is relatively simple and fast, especially if a person submits an application online. Completing an online application takes between two to six minutes, depending on how fast a person reads and types. At first you answer a few questions only. Questions concern your name, phone number, Social Security Number, reference information, driver license, bank routing and bank number, date of birth, etc. The form takes just a few moments to complete. Your application will be quickly reviewed to determine whether you qualify. In many cases customers will have their money waiting for them in their bank account within 24 hours. Most lenders require that the borrower be at the minimum 18 year old to request a loan and should have a banking/checking account for more than 3 months. Most lenders will deny a loan if the borrower has outstanding payday loans. Also, the lender will not loan the borrower cash if he has more than one payday loan pending.