OK, I know. Everyone else out there is telling you that payday loans are straight from the pits of hell, that they were designed by a secret Nazi-Soviet alliance of evil accountants to break down the American financial system. To some degree, these theories are probably right. Some states have even banned payday loans outright, and the federal government has set limits on whether or not military personnel can take out payday loans.

However, there are times when payday loans are expedient and useful. Here are a few reasons that payday loans rock:

There’s no risk of a broken leg. While critics will compare payday lenders to loan sharks, the fact is that if you don’t pay back a payday loan no one is going to come and break your leg. They will turn you over to a collection agency, which can be annoying as hell, but they won’t break your leg.
It beats getting fired. Sometimes, you gotta make the hard choices. Sometimes, it’s a choice between taking out a payday loan to pay the repair bill on your car and being able to get to work. Yeah, you should explore other options, such as borrowing money from a family member or even taking the bus to work until your next payday. But, those aren’t always viable options.
A payday lender isn’t going to judge you. They’re used to working with folks with bad credit. They’re not going to peer down at you from across their desk and complain about how you paid your mortgage late for the past six months. They’re going to ask you how much you want, ask for proof of your income, take your check, and give you money.
A payday loan is a measure of last resort. You don’t ever want to get to the place where you have to take out a payday loan. But, it’s nice knowing that it’s there if you wind up needing it.
You can get them just about anywhere. The payday loan business has expanded greatly in the past couple of decades. There are even payday lenders who will loan you money online. Depending, of course, on the regulations in your state, you may not be able to get a payday loan at all, but if they are legal in your state chances are there’s one next to every Starbucks.