The idea of these credit check loans may be appealing in case the borrower has bad credit and need a short term loan right away. It is a good option for people who want to borrow an amount not larger than $1,000. The lender will only perform an alternative, soft credit check. However, borrowers should only consider using these bad credit loans for emergencies, like car repairs or medical bills, and not for some ordinary expenses like grocery bills or monthly utility bills.