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You need a small amount of financial help fast, but you heard payday loans can be expensive and dangerous. What now? Find out how to avoid the dangers and reap the benefits of payday loans.Payday loans may be right for you if you need some money for a short time and have no other option. Car repairs, medical emergencies and other unexpected expenses can really strain your finances. Some weeks last longer than your wages do. So you simply borrow enough to tide you over until your next payday. Payday There are two kinds of payday loans:1) online payday loans2) in-person cash advances.Both kinds of payday loans are convenient, quick, private and easy.* Convenient: You can apply for an online payday loan using your computer. You don't have to deal personally with a loan officer when you apply for or request an extension for your payday online loan.* Quick: The online payday loan takes only a short time to complete and usually doesn't require any other documentation. Web payday loans are approved in minutes--virtually "guaranteed loan approval." The cash could be in your bank account within a day.* Private: You apply for an online payday loan at home. No bumping into nosy neighbors while waiting in line at the bank!* Easy: There are few online payday loan application requirements. The loan amounts are smaller than conventional bank loans so the paperwork is less. Generally, you just need to be at least 18 years old, have a job (so you have a payday) and earn at least $1000 a month.Note: a payday cash advance loan is a little different from the online loan.