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Not everybody is fortunate enough to win the lottery. If you're like most of us, you have to work for living to put food on the table and a roof over your head. At times you find yourself with a little extra cash to splurge on something nice, but other times you find that an emergency or a once-in-a-lifetime opportunity requires more cash than you have on hand.

What can you do when that happens? The answer is simple. Payday loans. Payday loans are bridge loans from lending institutions who will put money directly into your bank account and then on payday will take out the money they sent you (plus a little bit extra for interest) to help you pay for that emergency or take advantage of that opportunity.

How do I get my money?

All you need to do is to go online and type "payday loan" into the search line on your Internet browser. You should be able to find a number of web sites that can help you. When you go onto one of these web sites you'll be asked to fill in a little bit of information about yourself and they use this information to confirm who you are. Then they'll deposit the money right in your bank account! It usually takes a couple days and in some cases you may have to fax some additional information (like identification) before you get your money but it doesn't take long* and it's really easy!

How to I pay them back?

Obviously, at some point they're going to want the money back, because they are not a charity. So you let them know when your payday is and when that day comes around they will automatically take out the appropriate amount of money plus a little interest from your bank account and loan is paid off. It's that easy!

So next time you find yourself faced with a emergency or you need a loan to take advantage of that one-time opportunity, or you have simply just not budgeted enough to carry you through to the next check, a payday loan to help you.