I've been there, my friend. It's been many years since I had to take out a payday loan, but I have taken out far too many in my life. Especially in my 20s, when I knew nothing about money or finances. All I knew was, I didn't have any!
If you find yourself in a position where you are seriously considering taking out a payday loan, it should be a financial red flag. It's not a convenience or a fast and easy transaction (which is incredibly embarrassing, no matter how respectfully they treat you, I always wanted to slink in and out of the store with my jacket pulled up over my head).
If I could travel back in time and intercept my young self on her way to get a payday loan, I would say: stop. Stop! Turn around, go home, and make some drastic changes in your finances. Nay, your life.