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A job or other regular source of income, usually at least $800 to $1,000 a month minimum. It's best if you've had the job for at least 90 days. Are you in need of fast cash, but are unsure whether you qualify for a payday loan. The good news is that most consumers can obtain a payday loan through a simple online application process. In addition, ACE Cash Express does not require lengthy paperwork or an extensive credit history. Online Cash Advance Loans