Financial problems can get really messy. For those who are smart, money-wise, they usually have a stash somewhere which they can tap into in case of emergencies. Others have another stream of income that allows them to gain access to extra money in certain cases. Yet even these people can find themselves in a financial bind every now and then. There is no escaping it – money problems hit us all every now and then. And if we wait for too long to deal with them, we might just find ourselves in the middle of a very messy situation. That is why we should nip financial problems in the bud when we can. This way, we can avoid the potential complications that will only compound the problem.One way by which we can manage our financial problems efficiently is to take out a payday loan. Payday loans are short term loans which were created to meet the temporary needs of the average person. Rich or poor, payday loans can help deal with temporary cash shortages.There are a lot of payday loan lenders offering their services all throughout the United States. You only have to look online, as that is where most of them operate. Being online lenders, payday loan providers have a big advantage over other lenders. This translates to good things on our (the consumers) end as well.For one, we get to borrow money any time we want, anywhere. We only have to go to the web site of the particular payday loan lender that we want to borrow money from, any time of the day OR night. Most payday loan lenders operate 24 hours a day, 7 days a week, allowing people to apply for a loan at their convenience.Another advantage is that the processing times involved in payday loans are much faster. Having all the transactions done electronically is the reason. You just need to take a few minutes to get your requirements in order (you’ll probably have all of the documents ready anyway) and fill out the application form. You’ll then receive the approval email within an hour or so. From there, you have to wait for about 24 hours to get the money in your bank account. Just like that, you will be able to deal with whatever financial emergency you need to take care of.Regarding the requirements, they are very basic, and most payday loan lenders have the same set. These are as follows:1. Proof that you are at least 18 years old.2. Proof that you are a resident or a citizen of the United States.3. Proof that you have a current bank account.4. Proof that you have a regular source of income.The first two requirements should be met by most any legal identification document. The third will just require you to give your bank details. The fourth can be your most recent pay stubs or your financial statements, depending on whether you are employed by another company or you are self-employed.…