Do people use payday Loans?

Are payday loans whether they are online payday loans, regular brick and mortar location pay day loan shops or title loans do people actually make use of these and check cashing stores?

I was wondering because the idea to go online and apply for a loan outside of prosper or zopa.com and using a service that can loan you money with just applying the applicable check and banking information sounds like an excellent idea to me.

It's common knowledge that you can learn a lot on the internet and finding great sports betting picks online is not a problem but also finding a place to loan you money so you can go out and party with the ladies in South beach sounds like a great idea to me but please leave a comment and let me know if you have ever used these services if they were worth while for you to use and if you would recommend an online payday loan service and if so which pay day money rental service you would recommend.