is a bit rubbish when it comes to money and I presume he thinks it'll help him in the short term but I know it'll make things worse. How do I mention it to him without letting on I've seen his emails? Should I drop hints? Please help. While it is generally agreed payday loans are not good value compared to say a loan or an overdraft, they can atimes be better value than either of those. If you can repay the loan within 2-6weeks, they can help relieve short term financial problems and the APR is not a helpful criteria to measure it against. He may pay charges of 10-30 in order to use a few hundred pounds within a month. I only gets really bad if you don't repay it within a month or two and let those charges to build up to making such huge APR unaffordable.