Payday Loans offers people financial assistance to fulfill their needs. Individuals who are interested can go on the website and apply online. According to the Payday Loans website, a determination is made quickly, and people with bad credit are still welcome to apply. An application to Payday Loans can take just a couple of minutes or a loan requested in the amount with the zip code where the individual resides. It can be served as a way to get fast cash for some individuals who have a bad credit score. Individuals must be at least 18 years of age and a US resident to apply.