I have used a payday loan in the past when money was really, really tight, and I had no other alternatives. And, I have to say that it was helpful to have a no credit check loan available to me, as pulling "hard" inquiries on your credit report can hurt you immensely. I found that the key to payday loans, like those from National Payday, are to pay them back as soon as you get your paycheck to avoid paying back a lot more than you borrowed in the first place, as they do charge high interest rates. They have to, in order to provide the service that they do.
And, looking at National Payday, I have to say that this seems like a well-run cash advance loan company, and it looks rather easy to use. The added bonus of not having to fax any information is great, I think. If I had need of a payday loan, I would seriously consider using National Payday as my loan provider.
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