What is needed to apply for a Payday Loan? In Salt Lake City, UT many residents are struggling with paying bills or just affording life. At Chekline our payday loans are available for all individuals. They are easy to obtain and the cash will be handed to you after applying. 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 Salt Lake City, UT area.