Your past history of making payment faults usually does not become an impediment in borrowing money for urgency. In the loan marketplace, you can have easier access to instant bad credit loans, which provide quick monetary help. The borrowed amount is usually in your bank account within 24 hours. These are especial loans for people, who failed to make timely payments in the past, had arrears, CCJs or defaulted.
Apart from timely use of the loan for urgency, the loan can be used as a tool for making a recovery in your rating shortly if you repay it on time.
Usually, the lenders do not make any credit checks on the borrowers as these loans are based on your monthly salary and lenders expect getting back the loan in two weeks.
One reason for quick approval of the loan is that you get it against your next paycheqe. The lenders expect salaried people that they will return the loan from next payceque. Therefore, they do not see many risks in giving you the loan. The only confirmation made before the loan approval is that you are an employee, getting a fixed monthly salary for at least past six months.