A lot of people are using pay day loans as they struggle to meet costs of living and Christmas. If you can avoid at ALL COSTS, they charge shocking interest and are making big profits out of peoples hardship.
First of all see if you can save money by cutting back, call your energy suppliers to make sure you are on the cheapest deal, use online comparison sites. Also, there are local credit unions that offer small temporary loans, do a google search 'your home town/city credit union' they often work out of local council buildings. They are highly ethical and charge minimum interest and are owned by members who pay a small fee to join. (more about credit unions later)
In the meantime, here is a good Q&A page about pay day loans on the Telegraph website. http://www.telegraph.co.uk/finance/personalfinance/borrowing/8940249/Payday-loans-your-questions-answered.html
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