A payday loan is a predatory practice used by "legitimate" businesses to prey on the poor and less fortunate. They will loan you money, for a price of course, to tide you over until payday. Unfortunately the hard truth is that if cannot make it, financially, from paycheck to paycheck already...how are you going to pay the payday loan back without leaving yourself short again? These companies are not there to help........they are there to make money off the people who can least afford it. Best advice.....stay away from payday loans whenever possible. They can become habit forming.