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There are a wide variety of reasons that people are using payday loans right now. Before we look at those reasons, let's without delay review how that the payday loan works. Unlike a conventional installment loan from a bank or a financial institution, you can still use the payday loan for any reason you would such as. You do not have to disclose to the lender why you want the loan. They don't care. They simply care someone to have that the resources to repay that the loan. So if you have been 18 years of age or over, a citizen of the UK, have an income from any source and have a bank account of some sort you can find out a payday loan. Your bank account can be a checking, savings, or debit card account. payday loans