Payday loans online are available for a number of reasons. Firstly, they are there to help borrowers pay for emergency or short-term expenses and should never be relied on in the long-term. Common reasons for taking out a payday-loan include boiler, car and home repairs, vet bills and dental work. Generally speaking, payday loans can be useful for any emergency situation when you need some money straightway and you know that you can afford to pay it back when your next pay check comes through. As a general rule, only use them for emergencies and necessities.