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A: A payday loan can get you cash quickly for emergencies or unexpected expenses, usually without the credit checks required for other types of loans. Generally It is not wise to roll over your loan, since it increases the amount of money you owe through additional interest and fees, and makes it more difficult to pay off.

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Aug 26, 2016 Payday loans serve an excellent purpose of meeting the expenses of sudden needs quickly and without much hassle, however they should not be used as a long-term solution. Instead, you can consider a debt consolidation to pay off the various bills you owe so that you can get a hold of your finances.