At times, it is the little things that add up. It might be one large emergency payment you had to make. For any reason, a payday loan may be just what you need to pay your bills and avoid tough late fees. A payday loan could let you access part of your pay in advance. It could act as a bridge to find you money right when you need it. A payday loan could give you the help you need with anything from fixing your car to a rent payment or any short term financial need.