Well you hear a lot of horror stories. But when my employer had issues getting my pay to me on time, I decided to use a pay day loan service for the first time to be able to afford flights and accommodation for the following weeks work. Found Quick Quid on google, filled in the details and was issued £400 instantly. that was on a Friday, by Monday my pay was in and straight away paid of the loan. Only had to pay back £409. Very easy and no penalties for being early. After all the bad press pay day loan companies get, I now see they have their place. I feel I got a good deal and was treated fairly. These are not a long term lending option but very quick and easy to deal with so would use again should the need arise (without hesitation)