opploans pre approved your bank must have had a significant mount of money in the past 6 months Must be a legal citizen of the country. The above are the few requirements that you are to fulfill. The fact that your credit history is not checked is probably one of the main reasons that make payday cash as popular as they are. As you know, every good thing comes with a price, in this case the interest rate charged for the loans are much higher than that charged for banks. It is because of this that many activists and banks spokesmen are against payday cash advance loans claiming that it is an exploitation of those who are in need.