The Unfortunate Truth About Payday Loans I see it every day. Someone's down on their luck and they are hoping a payday loan will help solve all those bills that keep piling up. Unfortunately, this line of thinking is unhealthy and leads to even more struggles down the road! No no no, payday loans are not designed to be abused like this. They are for once in a lifetime thing that should be used only when the situation is most desperate. You see the truth about payday loans is that they are designed to be a one-time thing to help you get back on your feet. They are not a safety net you can rely on whenever you feel the need to splurge and then regret it later! If you really want to be financially independent then a proper budget and proper financial planning is the only thing that can help you. If you can get these things down then you won’t need to constantly rely on payday loans to make ends meet. However, if you’ve got a budget already in place and you still find your funds coming up short in a tricky situation than rest assured there are great sites out there that can help you. One site in particular that we recommend is http://www.paydayloangurus.com/ Unlike most other sites, Payday Loan Gurus doesn’t actually offer loans directly. Instead, they recommend good lenders based on your area. Whether it’s a loan in California or all the way to the east in New York rest assured they can help you out. Regardless of who you use, make sure you remember that payday loans are supposed to be a once in a lifetime thing. Don't abuse them and you will be okay.