Payday loans can help those who need immediate financing to cover emergencies such as illnesses and car accidents. Since payday loans are available to those with poor credit they are a great way to help people. Obtaining these loans can be easy and all that is often needed is evidence of employment as evidenced by a recent paycheck. The payday lender will then extend the loan if they qualify and the loan will be repaid quickly and in short order. These loans solve a big challenge for those with limited credit history and for those in a crunch for quick money.