When do  online payday loans  come in handy? When you are thinking out buying your sweetheart a diamond ring for her birthday, you will surely be looking forward to your next pay check. Unfortunately, this might not be a good thing to do, as you might not be able to get the check before her birthday. The best thing that you could think of doing is to opt for the online payday loans; this is a good option to think about. You will realize that it is good to go in for these online payday loans instead of going to a regular bank.