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There has been a lot of controversy lately about payday loans, but if they are used properly there is nothing wrong with them.  The interest rate is higher than a conventional bank loan, but they are not intended to be carried long term.  There are a number of services that provide payday loans so you might want to shop around a bit for the lowest rates.  Once you apply for the loan, once approved the money is electronically deposited into your checking account.  You must have a checking account in order to apply for these loans.  Many of the lenders automatically debit your account on the agreed upon date to repay the loan.