Poor credit can ruin your entire life. I went through a nasty divorce and my ex-husband took a lot of pleasure in ruining my credit. I was so upset because I have always had great credit. It is so bad right now and I was in a serious financial bind this month. I was unsure as to what I was going to do and then a friend told me about bad credit payday loans. The process was very easy and quick and I had my money the next day. This was a huge relief for me and I was happy that my credit did not matter to them. I recommend this type of loan for people exactly like myself.