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Christmas Paydays You will need some documentation to apply for a large bad credit unsecured Personal Loan. You may as well gather them up before you go loan shopping. You will need two forms of government issued identification. You will need proof of a valid direct deposit checking account in most cases. You will need proof of employment and salary. This can be done with pay stubs or bank direct deposit statements. Lenders like to see 3-6 months of steady employment with a monthly salary of at least $1200. Of course, they will ask for your social security number. You will probably need proof of residence as well.