You need to know that if you have no job, nor income, you will most likely not get a payday loan, although you may want it. One of the basic and most important requirements of a payday lender to give you the loan, is that you need is to have a stable income and a 6 months job minimum. In addition to this, you must be at least 18 years old and do have a bank account in order to borrow money. It could be a savings account or a checking account. You might however, get a payday loan, without having a job, if you can provide security for the loan such as a car, valuable items or your house.