Past credit problems show up to lenders on your credit score for several years, but that isn't the end of the story. You might read 'no credit check this' and 'no credit check that' on the web, but in reality, all good lenders reference your credit report when you apply for a loan. The good news is that borrowers also get assessed on their current and regular income. Savvy deals with loan providers that will consider applications for bad credit cash loans and assess your circumstances on merit. As long as you're not experiencing financial hardship right now, problems you had in the past won't necessarily define your chances.