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If you feel like you have to take on Payday Loans, you may feel like you are poor. However, many people use payday loans, even when they are not poor. If you feel like you can invest in a business stock that will pay a very high interest rate and your credit card does not allow you to borrow cash directly, you might feel like you should use a payday loan to borrow the money instantly. If you manage to invest your money in a high-interest business, you will find that it will often exceed the interest rate that you will have to pay on your payday loan, and you will, therefore, be able to profit from this.