Payday loans and bad credit loans

There is absolutly no difference between them, the only difference is in the loaners head because when he searches google.com for instant loans he doesn't always uses the same text, so, everybody is different and they search for things like instant payday loans, or instant bad credit loans, they can also look like this payday bad credit loans, bad credit loans till payday, fast payday loans, etc.
The only thing that links all of this searches is LOANS! because in fact this is a loan, not just a loan, a short term for a few bucks loan.
Interests have fallen down, from 1000-2000% / year, now they are about 100%-400%/year, they are still high, but you must consider the fact that they wore much higher.
The only advice I can give you is that if you want to apply for payday loans or bad credit loans you should talk to a debt consultant before and he would tell you what would be the best thing to do!