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I learned the hard way that a buy now, pay later approach to shopping can be dangerous. Debts can snowball, and before you know it, your minimum monthly payment may be paying for little more than your finance charges. I found myself making payday loans because I was in financial need. Payday loans are an easy way to get the cash you need for emergencies. When the shut off notices pile up on the table, payday loans can bail you out. Through payday loans, I learned about second chance checking accounts. It just seemed like a step in the right direction.