Payday loans are for situations such as imminent eviction, utility shutoffs, or lack of food. They aren’t designed as a means of dealing with ordinary bills. You should always try to get loans through traditional financial institutions before going the payday loan route, as these loans have good enough rates that you won’t get trapped in rollover hell.
One of the drawbacks to taking out a payday loan is that it is likely that paying it back will use all of your next paycheck. Your loan will have to last until the paycheck after next, since you will have to use your next check to repay the loan. If you’re not able to figure this out then you may be forced to continually get loans which could last for a while. Some companies that offer payday loans are members of, and are rated by, the Better Business Bureau. Check their BBB ratings for any complaints before you sign for a payday loan with any company. After finding complaints, you are probably better off finding a different company to do business with.