online loan from 1st Bank of Delaware

I am so glad I found your website and forums and I just joined. Actually, I got alot of info. (Thank you!)about PDLs and I have a few. I also took an online loan from 1st Bank of Delaware which I have repay 2/month until end of May. These loans are storefront and in Idaho. I live right on the border in OR and there are no storefront loans here anymore. The really big problem is that my bank does direct advance loans and they took most of money on payday because of direct deposit so NOW I'm in serious trouble with these loans because this time I am OD, can't get another until I'm postive but I'm really tired of PDl cycle. No money and I feel terrible for not honoring my commitment to them and I have until now. Everything just spiralled. No big tax return coming but I am thinking of diverting most of my direct deposit to my credit union (which is in the town I used to live in) and have them send $$ so I can pay on these loans. Is this a good idea? Any advice?