People who have the resources to pay it off in three days don't need a payday loan to begin with.
Ive used payday loans.Im on fixed income and fell behind on my electric bill.Electric company gave me 2 hours to pay the bill or turn it off.This was winter,no electric=no heat.Even with a good reputation at my bank they couldnt help me that fast but the local payday lender helped me in 15 minutes.