Sudden emergencies seem to always happen at the wrong time. Cars will break down, pipes will burst, and tires will go flat when you least expect it. That’s where payday loans can help. A payday loan is a financial tool specifically intended to help you out exactly when financial emergencies hit. A payday loan can be applied for online in minutes right from your own home. You’ll have the cash in your account in no time. Payday loans are there for you when you need help.