I've used payday loan two times in the past year due to boielr and car problem and the bank would not help me out. In my honest opinion, payday loan can helps customers with poor credit history in case of emergency if you are able to afford it. Personally, I used this legit company called Zuntrasoft? Payday (do a search on google) before.Thanks to Zuntrasoft Payday, I managed to get my cash within just one hour after I applied without credit check and fax.