From car repairs to vet bills, there are all sorts of expenses that can arise unexpectedly. If you’re in a pinch and need cash before your next paycheck, you could be a candidate for a short-term loan. Also known as payday loans or cash advances, these arrangements grant you the money you need, which can be returned with interest upon receiving your next paycheck. Here’s what you’ll need to bring when filling out an application.

Documents to Bring When Applying for a Short-Term Loan

1. Valid ID

To protect their interests when offering loans, lenders must have proof that you are who you say you are. Two forms of government-issued ID, such as a valid driver’s license and a passport, will therefore be required. In addition to a license and passport, a social security card or birth certificate may suffice. Check your specific lender’s policy before you go.

2. Proof of Income

Your proof of income indicates your gainful employment and shows that you’ll be able to repay the short-term loan once you receive your next paycheck. Typically, the documentation needed for this is your latest pay stub. This also gives the lender an idea of your employer’s pay schedule, which is needed to determine your repayment due date. How much you’re paid helps calculate the loan amount. You may also be asked to provide the name and contact information of your supervisor.

3. Blank Check

To ensure repayment, lenders typically require a blank check, which will be filled out for the amount of the loan, plus interest. Once the loan period is up, the lender will cash this check to process your payment conveniently. Your check must therefore be from a valid bank account. To prove that the account is active, you’ll also be asked to bring the most recent statement from that account.

If you need a short-term loan to make ends meet before your next payday, allow Advance U Cash to help. Serving Florence, Alexandria, and Newport, KY, this lender offers convenient payday loans for people who work or reside in Kentucky. Simply gather the materials above and submit the online application to get started with your loan, or call (859) 746-2274 with any questions.