How do they work you ask? Well it is simple all you need to do is go online on the internet. When you are there you will probably find thousands of sites asking you to borrow from them. It is best to look for a site that has several different lenders under it and has one in your city or state. You must be careful, as you know there are a lot of scammers on the internet who are out to get you and probably will use your identity. Look for the best online store that will also offer you cheap rates that you can handle. While applying for a payday loan online you will probably have to fill in a form. So be sure that it is a real online store and that it is not a fake one that is just out to get your identity so they can use it to do malicious things. You should also be prepared to provide your identification; this is to prove that you are real and that you are a citizen of the given country. Online stores will probably ask you for your bank account number so as to be able to deliver your money straight into your account, which will be on the same day and all you will do is go and withdraw the money right away.