I've used payday loans ocoacisns in the past year because? of boiler and car problems and the bank would not help me out. In my honest opinion, payday loans can help customer with poor credit in case of emergency if you're able to afford it. Personally, I used this legit company known as Zuntrasoft Payday (search on google) before. Thanks to Zuntrasoft Payday, I got my cash within just an hour after I applied without credit check and fax.