Pay Day loans are available to you even if your credit rating is low, and even if you previously declared bankruptcy. Also, applying for a hardship loan does not affect your credit score, and your score will not be checked within the vetting process. All that is required to receive a hardship loans is you've got a checking account or savings account in your name and a consistent income source. My websites: Do You Know The Definitions Between A 24-Hour Loan And A Sub Prime?