<prompt> Human: Ill start by saying that I know payday loans are the devil and I understand why the justifiably have the bad reputation that they do. I havent got one in the past but I think I may this week.The scenario: I just started a new job.. Ive been working 2.5 weeks but dont get my first pay until 1 week from today with the way the pay schedule fell. My car payment is going to default on Monday and I need about 400 for that. I realize I would be taking an up front interest hit by getting a payday loan, but to save the default on the car payment I think its worth it in this case. Ill be getting paid next Thursday for 13 days of work at 39hr so will be paying it back in full immediately with no issue. I have no friends or family that I can borrow from and no other means that I can think of.Is this a bad plan? Are there alternatives?Thanks for taking the time to read.  <response>: Call the car loan people and ask if you can defer the payment? 