If you're responsible but low on funds, payday loans can be a godsend. The interest is often lower than your checking account's overdraft charge, for example. I

If you're responsible but low on funds, payday loans can be a godsend. The interest is often lower than your checking account's overdraft charge, for example. If I was short between paychecks, I'd get charged $20 for each bill I have set on autopay.