Considering 30 day payday loans is a great option when you are short on cash for the month, because you get what you need, and in the end the lender gets their money back through a payment plan that is setup when you first acquire the loan. These do not require credit checks most times so bad credit or good credit is not needed to get the amount you want. One thing to consider though if you do have bad credit you may get a higher interest rate because of this. So you will be approved quickly but your interest rate will still be affected if you have bad credit. Making sure you can pay back the loan is something you want to do before trying to apply and get accepted, because if you cannot pay back the loan you will get in a bit of trouble and owe a lot more money than what you borrowed. So don’t just jump on the first option you have for a lending company, take a look at all your options before deciding on one particular lender to go with.