Can payday loans online really come to your rescue when your credit is bad? Let’s be honest, people are in a panic when their credit is bad and they think there is no way out of the predicament either. It’s a real concern when there is poor or bad credit looming large as at times, it’s very difficult to get away from it. You can have a good paying job, pay your bills on time but one missed or late payment with a previous line of credit can cause your credit to spiral. It’s a problem to say the least and, for most, they need something to help improve their credit and potentially help them when they need to borrow money the most.