No one like being behind on their bills. It seems that the more bills you are behind on, the harder it gets to straighten out the finances. If you are behind on your bills and would like a way out then Payday One loans online may be the answer you have been looking for. To apply for a loan, all you need is a bit of work history and a valid checking account that has not been over-drafted recently. The application process only takes a couple minutes and in no time at all the money you need to get caught up will be deposited directly into your checking account.