In the event of a financial emergency you may find that the only way to get the money that you need is through a payday loan. These quick and easy cash loans are short term cash infusions that allow you to get the money that you need right now, while you wait for your next paycheck to come in. With a payday loan you can ensure that whenever an emergency comes up you will be prepared. When applying for a payday loan there are three things that you need to have readily available. If you keep this information handy, the process of applying will be even quicker.