Payday loans or bad credit loans

What would be the better title for this type of instant small loans, should we call them only payday loans or only bad credit loans?
The answer is verry simple. we can not separate the terms.
Payday loans are taken by people that need money untill the next payday comes and bad credit loans are taken by people that have a bad credit score and need money untill payday. So we can not really get only one keyword on this.
Keep in mind that this type of agencyes, payday loans or bad credit loans are the only lenders that offer you such small loans.