There are a few qualifications to get a Personal Loans, despite being one of the easiest you could possibly get. You do need to be at least 18 years old, and have a steady job that provides you with regular monthly income. You'll also need a bank account so the lender has a means of getting the money to you, although there are other means if you don't have a bank account readily available. It is generally recommended that you compare a number of offers before saying yes to just one of them. This is especially true in this case, although with the technology available today, it really only takes a few minutes to do this. There are a number of online engines that can provide you with a list of online lenders willing to offer their services, just by completing an online application. You'll be able to save time and money by requesting Unsecured Loans online. Unsecured Personal Loans are great, although they are really only meant for emergency situations. Don't try and take one of these relatively high interest rate loans to consolidate or pay of other debt you may have racked up. It is up to you to make sure you've used up your other options before trying to get a payday loan.