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Installment payday loans is easy obtainable and can be paid off in easy installments. However, the usual loan repayment period is 6 months. For further information, please visit our contact us page. To obtain bad credit payday loans, you need to be 18 years of age or older and a resident of the U.S. You will be required to have a steady income that should amount to $1,000 monthly after taxes are withdrawn. You will also be required to have a valid email account and an operating work and home phone number. Do not forget about the need for an active checking account. All fees and APRs may vary and are determined and administered by the specific lender. It is imperative that an applicant reads, reviews, and understands all of the terms and conditions contained in the loan agreement before committing to and signing a loan agreement.