Why are lenders willing to give people with poor credit payday loans faster than a regular loan?

Kandice M asked: I mean a person can open and close a checking account faster than lighting and you go into the credit bureau if you do not pay and the same thing happens with an unsecured personal loan. Why the risk? What is the difference? Bad credit is bad credit.

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Courtney B asked: I have never had a payday loan before and I was wondering do I go by a check from the store and write void on it or do I have to stamp it or what do i have to do because I have no Idea.

Continue reading about when a lender tells you that you need a voided personal check to get a payday loan how do you get it?