We recently moved and I underestimated the costs of moving, setting up utilities, extra costs, etc... and so I decided to take out a PDL to help myself along in advance, in hopes of having some things situated a bit more before the move.
I've got one payday loan out, through CheckSmart, here in Ohio. I've used them before and as far as I know, I've got no negative marks in their system, as I've always been able to pay them back in full. However, times are a little rougher now and in retrospect, the loan itself was probably not a good idea.