What documents are needed to apply for a payday loan? In Memphis, TN many residents are struggling with paying bills or just affording life in general. At Cash in a Flash our payday loans are available for all individuals. They are easy to obtain and the cash will be handed directly to you after approval. To apply for a payday loan all you need is a current checking account, some type of an income source, and verified personal information such as an address in and around the Memphis area.