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The only requirements are that you are at least 18 years old, have proof of income (this can be a job, unemployment benefits, or any government benefits income), and a bank account (savings or checking).
Lenders would also be required to obtain a consumer report from a national credit reporting agency as verification evidence of a consumer's payments under other major financial obligations, top online payday loans in La Habra.
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I believe a balance can be achieved that will make these loans feasible for lenders without setting the borrowers up to fail with loan payments they can't afford.