Particularly when times are hard, people frequently find that they need extra cash. Securing a quick bank loan is not always an option, especially if your credit is not that impressive. In these cases, payday loans can be an acceptable solution.
If you are considering a short term, payday loan, do not borrow any more than you have to. Payday loans should only be used to get you by in a pinch and not be used for extra money from your pocket. The interest rates are too high to borrow any more than you truly need.