The next time you need cash to pay for a car repair, utility bill, or other unexpected expense, don’t use a credit card or ask friends for money. Instead, visit your local payday cash loan store and apply for a short-term loan.

A quick payday cash loan can solve your cash flow problems. Getting approved is easy, and you don’t need an excellent credit history. In fact, you can get a cash loan without a credit history. All you need is an active bank account and steady employment.

Still, it’s important for everyone to know how these loans work. This way, you aren’t caught off guard by high finance fees.

1. Apply for a loan: There are different ways to apply for a payday cash loan. Again, you can visit a nearby location and complete an application. Or, you can apply for a loan online. Online is easy, convenient, and offers privacy.

2. Provide documentation: To qualify for a loan you’ll need an active bank account, the same employer for 90 days, and you must be at least 18. Be sure to bring a copy of your bank statement, recent paycheck stub, and your driver’s license.

3. Funds deposited into your account: Once you’re approved for an easy payday cash loan, the lender deposits the money into your account within one business day. You have two weeks to repay the full balance.