Haven't you noticed that it's very easy to spend the money and it's very long to have it on hand? Waiting period for the salary is too long also. You'll be lucky enough if you receive your salary every saturdays but here, payday falls at the end of the month. So one has to really budget wisely and sets aside a money just incase for emergency. If not, the only choice will be payday loans. Of course this is always on the rescue in times of hardships. Is it easy to apply? Actually yes. Mostly of the agencies offers this kind of service online and one will just have to fill up their online form and that's it. The agency will then contact you the details and the docs to submit and that's all.