A payday advance loan can be used to pay for an unexpected expense between your pay periods. If you can’t afford to repay the amount you want to borrow with your next paycheck, then a payday loan is not recommended. Short-term loans can be helpful are emergency car repairs like replacing a tire or radiator. In your home, a payday loan may be good for taking care of minor fixes that could later prove costly, like replacing a leaky pipe. As for utility bills, it could make sense to use a payday loan to cover an unexpectedly high bill, but it likely isn’t an affordable solution to pay your regular bills month after month using a payday loan.