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Northway FinancialYou will find three categories that good reasons to take out pay day loans fall under, and these are:1. Important and Urgent - They are those activities that are usually very unexpected, in most cases change your life if you don't get cash and fast. Events that fall under this category are the best reasons to take out pay day loans, since they happen very sparsely, and you will generally have the ability to pay off the money involving these events. Also, the amount is usually unforeseen and unpredictable, so it's hard to keep a steady amount of cash waiting for this.Northway Financial :: Pay Day and other alike quick loan schemes aren't allowed in North Carolina. Other states are beginning to think about legislation and to put laws in place that will further control and maybe even curb pay day loans altogether. Still more needs to be done. - Northway Financial They may be unfounded myths easily utilized by anti pay check lenders to produce people deny themselves of an opportunity to find means to fix their immediate financial need. Payday loan are meant for working class folks who need a lifeline before the next payday. It is a 14 days short term loan, which cannot accumulate the high quoted APR of 391%.