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Now let’s see who qualifies for this type of bad credit loan payday. The answer is simple - almost everyone. It doesn’t matter if you have debt problems, skipped payments, even been bankrupt or subject to foreclosure - you can apply for a payday loan. More and more finance companies are specializing in this short-term, small amount type loan for people with bad credit. This has created a huge fierce competition out there, and lenders trying to “out-do” each other works heavily in your favor. In fact, some of these finance companies go the extra mile by providing additional services to lure customers. For example, a group of lenders I know of hire personnel trained strictly to assist customers in other languages such as Spanish. Furthermore, it is good to know that most of these companies allow you to apply for your loan online and receive approval within an hour.