My wife is eight months pregnant.  She’s a bit on the testy side, so a few months ago when our air conditioner suddenly quit working our house became unbearable - in more ways than one!  I called the repairman right away, but I knew they would want to be paid for their services.  I made a quick trip into town to get an instant payday loan. It took a matter of minutes.  My bank account was verified, along with my pay statement and I was on my way with the cash I needed to pay the air conditioner repairman. Now my wife is cool and happy, which makes the entire house much nicer.