Payday loan companies are easily accessible and their application processes are straight forward and only take minutes. Granted, the APR is higher than most other opportunities but because of the ease of access and anonymity, no need to call in to a high street store and the fact that the loan itself is short term most people find them an attractive substitute to other avenues.

As long as the payday loan is used correctly by paying it back on time and not rolling the loan over until the next payday they can be quite useful for those unexpected bills.

Here’s a list of payday loan companies I found, it also includes some other useful information too.