There are many reasons why you choose to get a payday loan. Often, this option becomes tempting when you have a sudden bill to pay or an expense that you cannot afford. The idea of a payday loan is to help you until you receive your monthly salary. You can deal with the sudden bill and simply pay it back when you are paid.
However, this is not the reality for a lot of people that get a payday loan. Often, they are left in difficult situations where they cannot afford to pay back the money they owe. This ends up being a downward spiral that can be scary and expensive.