Payday loans can normally be acquired from minor franchises that specialize in bad credit company. But, online loans are the most modern bad credit individual loan. Online loans are promoted by email, pop up ads, and word of mouth. Nothing like the method of obtaining a payday cash loan, all of the records for an online bad credit loan is submitted using the internet or fax. The borrower faxes his or her bank report and the copies of the check stubs, and once the information is processed the sum of the loan is then direct – paid into their bank account.