Even if you have bad credit cash loans, such as payday loans, are available to you. Payday lenders don't run credit checks on their applicants. As long as you can prove you have a checking account and a job, chances are you will qualify for a payday loan. If you have a history of bouncing checks, even a payday lender may deny your application—this is because payday lenders use services such as TeleCheck Recovery Services and ChexSystems to see if you are on record as bouncing checks. If so, you may be considered too high a risk by the payday lender's standard and may be denied a loan.