The loans also come with options on installments. If you need a payday loan and think that you cannot pay it back within two weeks, you can forget about worrying too much. You can create an installment plan which fits what you need and can still let you keep your present credit score. These payday loans also have no revolving interest. With credit cards, you can immediately pay for a purchase but it will end up being much more expensive in the future because of the interest. You do not have to worry about that when you go for a payday loan. Even if you opt to go for the installment plan, you still do not have to pay so much additional. This truly makes the case for why you need a payday loan.