If you want to be eligible for a loan, you will also need a bank account, some government-issued identification, and a pay stub or other evidence of income to get a loan. Moreover, you must be 18 or older to participate. You will need to bring or have these items on hand to apply for a loan in person at a lender's shop or online. Otherwise, your application will not be approved, and you will struggle to get an eligible loan, or you will have to deal with the unexpected alone.