The things you have to know if you have no job, nor income, is that you may not get a payday loan, altough you may want it. One of the basic requirements of a payday lender in order to give you the loan you need is to have a stable income and a 6 months job minumum. Along with this you must be at least 18 year old and do have a bank account in order to borrow money. It could be a savings account or a checkign account. There are also some sites that do provide payday loans for people with low income, people that don't have $1000 dollars per month or more. 

   There is a new thing today that you may have to consider - big banks have come into the industry of payday lending and they got smaller fees and lower interest rates than the private subprime lenders - in this case the natural process is going to be that the private lenders are going to lower their interest rates and people could borrow more money. But, the point is that a big bank is going to require a good credit score and credit check if you need a payday, altough most of the people who get this type of loans had a bad credit rating. 

   Here are a few banks that are going to give you payday loans, even from now and how much you're going to pay to them:

1. Well Fargo and U.S. Bancorp are going to provide payday loans - in this case if you take $100 you're going to pay the next month $110 ($10 on the interest rate) which means something like 120% interst rate per year, which is very high, but in the place of a private payday lender which could ask for more than 300% per year, it's a better thing to do.