Online same day installment loans near me feature soft and flexible requirements. Generally, you need only 18 or over and have an income of at least $800 per month, to meet direct lenders’ qualification standards. Other terms like bank accounts or citizenship may have deviations depending on your chosen loan service. For instance, most banks attach great importance to their clients’ credit scores. At the same time, private direct lenders easily provide no-credit-check loans for bad credit.