The Observer has discovered a justice of the peace in Harris County who has handled nearly 300 scorching-verify circumstances, a Class C misdemeanor, for Money Biz, an Ohio-based mostly payday lender with 24 areas in Texas. The good news about pay day loans is that you would be able to get them the identical or subsequent day normally and there may be sometimes no credit score examine, so your credit does not have to be good to qualify for one.