1) To be over 18 years old 2) To be a UK resident 3) To be in full time employment with your wages paid directly into your bank account 4) To have a debit card for the bank account your wages are paid into. Most places want at least 3 successful loan payments back to the company to be able to get an increase.
A payday loan is affordable for every person as long as the repayment schedule is smooth and on time.