There is no shortage of lenders around who advertise personal loans of varying types to the consumer. It can be something of a task identifying the right one,Guest Posting but more often than not, speed is of particular importance. This is because the economic climate that we live in today is such that urgency in finding funds has become acute.The reason for this, of course, is that the financial realities has ensured that a greater number of people are out of work, and many of those in work have seen their incomes fall. The result is to miss debt repayments and even default on loans, meaning that bad credit ratings develop. In turn, the only real loan option available are bad credit personal loans.However, the good news is that amongst the range of loans available are cash advance loans, a popular option that can see emergency financial needs catered to. Getting these loans approved for those with bad credit is not as difficult, for a number of reasons.Types of Loans on OfferThe range of personal loans that are available to borrowers is actually quite wide, though can be broken down into two groups: secured and unsecured loans. The only real difference between the two is that secured loans have collateral, which all but guarantees that application will be successful.For unsecured loans, however, the risks are higher and so the interest rates are higher too. These bad credit personal loans tend to have very poor terms, not just because they are unsecured but also because the applicant has a bad credit score.Generally, these loans can be approved in anything from 24 hours to a week, depending on the lender and the size of the loan sought. However, applications for very short-term loans that are small in size are more successful as loans approved for those with bad credit. This is because the repayment is set to be made on the next pay check.Cash Advance LoansThe important aspect of an application for a cash advance loan lies in the access the lender has to the upcoming pay check.