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When you get an online payday loan or cash advance, the money you request will be immediately deposited directly into your banking account. On your next payday, the amount due will be withdrawn directly from your account. You can’t get much simpler than that. It's also easier to qualify for new credit cards when you have good credit. With good credit scores, you'll also have an easier time qualifying for higher balance limits. You'll be able to borrow more money at better rates when you have good credit. âHi, I just want to ask how come some lenders can advertise hassle-free loans even for people with bad credit like me, while banks wouldnât even give me a penny chance to borrow money? Iâm thinking that if banks are not doing it, there must be some dark secret behind these hassle-free loans that I donât know about. Would you know what it could be? Are they even legal? Please help me as Iâm tempted to get one now after being turned down by lenders because of my bad credit…â