Payday loans are typically used to pay for unforeseen costs like auto repairs, electricity bills, and medical bills. That also applies to payday loans, such a $200 loan. You are not allowed to spend the online quick cash loan that you have borrowed in any way by direct lenders. The majority of users, meanwhile, employ it to resolve an urgent financial situation. Furthermore, if you have a poor credit history, a $200 payday loan enables you to make prompt payments. Payday loans are available to those with poor credit, and recipients might receive a $200 loan by the end of the work day or sooner.