Poor credit loans can be applied for online. The applicant is required apply for credit on the lenders website .The lender checks the details of the applicant and sanctions the credit. The application form required the following details like name, address, bank account number and contact number of borrower. Some lenders also ask for the birth date. After the required information is received, it is verified and the borrowers credit worthiness is determined. With the basic details approved, the finance will reach your account within just 24 hours.