Not too long ago, I woke up in the middle of the night because the left side of my mouth hurt so much. I got up and tried to floss, gargle, and brush my teeth, but none of those things helped. I could tell right away that this wasn't a normal cavity. The next day, I had to see my dentist right away, and when I did, he told me I had a cracked tooth and that it would cost well over $600 to fix. He also told me that if I didn't take care of it right away, I'd end up needing a root canal, which would cost me $1,750.
Obviously, this problem came at the worst possible time. There was still a week and a half until my next paycheck, and my bank account was empty. My bank account was hurt by last month's heating bill, and I was more worried than ever about what I was going to do. With the pain I was in, I couldn't have gone around for almost two weeks.
When I was talking to a friend, she suggested I look into getting a payday loan. They helped her when her car broke down, so she was sure they could help me. I decided to follow her advice and did some research. I liked what I found: a loan company that helped people like me who needed small loans for an emergency. Even better, the payday loan company had a website where I could fill out the application safely and quickly get approved. They said they would put the money in my bank account the next day.
The next morning, sure enough, the money was there, and I went to get my tooth fixed. When the dentist finished fixing that tooth, I couldn't tell you how happy I was! I also can't tell you how much relief it gave me to know that there was a company willing to help me out financially during my emergency without judging me or making me wait weeks to find out if I was approved or not.
The most surprising thing about getting a payday loan was that they didn't ask me a lot of questions about my life or what the money would be used for. They just wanted to know where I lived, what I did for a living, and things like that. The process was so easy that I thought there must be a catch, but my friend was right: they helped me when I needed them the most.
Today, my tooth feels great, and I now know that no matter what happens in life, I will always have a place to go for financial help. Thanks to the payday loan industry, I was able to keep my pride, get the dental work I needed, and keep my money problems to myself. I couldn't have asked for more.
