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Cons: Occasional communication breakdown. Uncertainty regarding the deposit and loan payoff. How would you feel about a payday loans direct lenders that you do to need to pay a fee for? Basically, you would just be just taking a certain amount of money to pay for something you need urgently without waiting for the paycheck. Options like that are available these days, as more people realize there is nothing wrong with taking out loans over the internet from companies ready to offer small amounts of money until you get paid and can pay off the debt. Before the appearance of same day payday loans, which enjoy an incredible popularity these days, people had a choice between asking their friends or family for money and borrowing some from the bank. The first option was not always acceptable because friends or family may have had the same exact financial problems or the borrower did not feel comfortable asking for the same favor over and over again. 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