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To get fast and easy approval for payday loans, a person needs to meet a few terms and conditions that a lender lays down. A few of the common requirements that every lender seeks include, the applicant should be a permanent resident or citizen of US, he should be an adult with 18 years or more in age, he should be employed with a reputed firm for last 3 months and he should have a stable income of at least $1000 per month. In addition, You should have a valid and an active checking bank account to transfer the loan amount.