First, you need to choose the payday loan company you are going to use. There are so many out there that it may be difficult to choose, but calling around to each of them will let you know if you want to go with them.

Once you have chosen your company, you will need to go into their office and fill out an application for the loan. Typically, the loan processor will do this for you and it should only take a few minutes to complete. Depending on the company you go with, you will need to bring a few things with you to the office.

Generally, you will need to bring in a current bank statement, recent pay stub, photo ID, and your checkbook. Some companies will ask you to bring proof of residency, such as an electric bill or mortgage bill.

After you have filled out your application and they have copied everything they need for your file, your loan processor will call and get verification that your bank account is still open and active. Once that is complete, he or she will enter you into their computer and process your loan.

You will fill out your check for the amount of the loan and any interest that the loan will accrue. The company will hold your check and give you cash in the amount of the loan until your next payday. Typically the whole process should take no more than 15 minutes.