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When you have no choice than to seek your employment, family, or friends for a same day funding loans, lenders may offer an alternative loan in cash because some people would rather not to divulge their current financial situation. The qualifications are as follows: you need to be a citizen of the United States, be at least eighteen years old, have an open checking account linked to your Social Security number, and perform a permanent job that pays a minimum of $1000 in a steady income.