While payday loans are designed to be accessible, especially to those who might have difficulty obtaining other types of credit, not everyone will qualify for a payday loan in California. There are some standard requirements and restrictions: Age Requirement: You must be at least 18 years old to enter into a legal contract in California, including a payday loan. Identification: You will need to provide valid identification, such as a driver's license or other government-issued ID. Proof of Income: Lenders typically require proof of steady income, such as recent pay stubs or bank statements. The income helps demonstrate your ability to repay the loan. Active Checking Account: Most payday lenders require an active checking account, as this is where the loan funds will be deposited, and from where the repayment will be drawn. Not Active Military: Federal law prohibits payday lenders from lending to active-duty military members and their dependents. State Regulations: Lenders must adhere to state regulations, which can include restrictions on the total number of outstanding payday loans a borrower may have or other specific rules that might apply. Credit Check: While many payday lenders don't require a traditional credit check, some might, and poor credit history could affect your ability to get a loan. Lender-Specific Requirements: Individual lenders might have additional criteria or limitations.