Payday loans are often advertised as a means of recovering from a financial emergency, and when used in this way they can indeed be a life saver. However, this leads one to ask what, exactly, constitutes a financial emergency. This is an important question to ask, as payday loans are expensive and can potentially put you in even more dire financial straits if not used wisely.
Thus, they should be used only when they must be used, with the aforementioned 'must' indicating a legitimate emergency. What a true emergency is may be relative to the situation at hand, but there are some characteristics that it should possess in order to count as such.
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