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Which no security threat for the bank therefore the interest rate is slightly larger. Apply for any credit, and lenders 'score' you to predict your likely behaviour. They use data from credit reference agencies as part of this (see the Credit Scores guide). But a payday loan on your credit report can have a striking effect. All credit reference agencies differentiate payday loans on your credit report. Theyâre in a different section, so underwriters (who make lending decisions) can tell how much and how often you've used payday loans. Paying your bills late can have drastic consequences on your credit score and finances. When you're juggling your money to make payments for rent, credit card accounts, and car payments, you might run into tight situations. If you're having financial difficulties and need to get a Companies Similar To Plain Green Loans to help you out, read below to get some great advice.