Is there a catch?
The only catch for a payday advance is that you get when you jump from the tower window so that you can run free. An online payday loans, however, contain a cash advance fee and interest. For one, those with bad credit cannot get a personal loan and, second, those with good credit can obtain a personal loan, but not without borrowing more than they need, and pay on it for years.
You certainly do not want to be indebted to anyone for long periods of time as it advances. You just need to be indebted to the lender until the next payday. That's the beauty of a payday cash advance.