Payday lenders are the ones who help customers in trouble. A sudden illness of one of the family member or a car accident could be the reason for your financial crisis. If you do not have a credit card or if you are not able to get any other sources to make the ends meet, the only solution is payday lenders. These lenders offer loans irrespective of their credit rating. Unlike other bankers and lenders these lenders entertain people with a bad credit history as well. The process is very simple, no major credit checking, no faxing, no paper works, no formalities etc. As a result of which the loan amount gets approved very quickly. You only have to be above 18, with a stable monthly income and an active checking account to be part of this loan through such lenders. It helps you in bridging the gap between pay checks. Prompt repayment is a must and it could either be made through post dated checks or by transferring the amount electronically.