I was in deep trouble because I needed access to payday loans for cigarettes. I would have a nicotine attack if I did not get some money for cigarettes. I was frantic and went up and down the streets looking for one of those payday loan places. I found one and thankfully they helped me out - it lent me the money to get my hands on the cash quickly and easily. Now I understand that the cigarettes were and are bad for me I really relied on the payday loan to give me the cash to get me through to the next week.