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Check Your Own Credit Payday loans are short-term loans which have been really simple to get if you can present the lender your pay stub and issue a post-dated check ; usually dated a month after the date the loan is released. A background check isn't even required so as to get approval.Pay day loans are engineered to be rapid and convenient and thus the operation of procuring the first is fairly simple. Qualifying To be eligible for a pay day loan, it is quite essential that you work, have evidence of identification along with a bank account. Identification proof is an absolute must when you cannot get approval if the lender cannot prove your identity. No credit check required is conducted if you make application for a payday loan.