If you can prove that you have an appropriate checking account, you could opt for the direct payday loans plan, because that is all a financial company is looking for. they just want to make sure that you are a person who has a salary that you can fall back on, at the end of the month. If the details of your checking account are not correct, there is a possibility that your request for direct payday loans might not be accepted. Therefore, make sure you give all the relevant details, including some proof to state that you are over eighteen.