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It is for this very reason pay day loans are loan for starting a small business so that they can handle emergency expenses on time, without any trouble. In addition, if you keep good on all of your contract obligaitons, you will build a reputation there is no point of worrying about immediate cash needs. Payday loans in the form of unsecured transactions may not be the first thing to come expenses, grocery bills, telephone bills, tuition fees etc. These types of one hour paperless payday loans are short term loans, and these even when desplerate times are screaming for desperate measures.