One reason for the fact that payday advacne online loan customers must be at least 18 years of age or older is that the adult age group is expected to understand and manage their finances responsibly. Naturally, this is not always the case, but it is more often the case then not. An entire industry shouldn't be judged by the poor decisions or actions of a few people; it should be judged by each person individually, based on his or her own decision-making capacity.