To get a UK payday loans you must: be over 18 have a bank account be in full time employment. You write out a personal cheque to the cheque casher and they give you cash for it. They will deduct a fee which will usually be quite high. On pay day, the cheque casher will present the cheque you have written to your bank. It’s up to you to make sure there’s enough money in your bank account to pay it. You can also get payday loans online using a bank debit card. Pay day loans are an expensive way to help people over temporary problems and are not suitable for longer term difficulties. If you have a bank account, you may be able to agree an overdraft instead but be careful of going overdrawn without permission. If you do decide to use a pay day loan, make sure you know about all the costs and charges first.