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 A payday loan is one of the easiest loans to apply for and is suitable to meet most people’s need for emergency funds.  When you are living from paycheck to paycheck, it’s easy to find yourself without the required funds to handle an unexpected bill, such as a car repair, medical deductible, or plumbing problem. In such a case, a payday loan can be your salvation by providing a quick cash advance directly into your bank account to tide you over until your next paycheck.