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Here are some benefits of a payday loan:
Firstly there is no need for a credit check as all you need do is provide information that you have been in your job for three months and receive a regular a salary. They will look on this and then depending on how much you earn the company will decide on the amount you can borrow.
All you need to do is prove that you are over 18 years old and have a job and you automatically qualify for a payday loan.
There are no credit history checks so even if you have defaulted on any loans or credit cards this will not matter as they do not take this into account.
Repayments are between 14 days and 180 days depending on the company you go with. Obviously if you choose a longer amount, the interest rates will be very high as these types of loans are designed for a short time period only.

Link: http://usa-payday.blog.hr/2011/10/1629542259/credit-consolidation-payday-loan-company.html