I have gotten payday loans a couple of times in my life because they are handy and it is better than asking my parents for a loan. The last time that I went to get a payday loan was kind of weird because the guy looked me up on some kind of payday loans archive to make sure that I did not have a loan out anywhere else. I did not but I found it interesting that people were going to the various payday loan places and taking out multiple loans. I am guessing these people probably did not intend on paying them back either, which in my opinion is as bad as stealing. Payday loans are a huge help when you are in need like the time I had to get one in order to keep my power on. The electric company told me I had to come up with $150.00 so I went and got a payday loan and then just paid it off on my next payday, it was a real life saver!