You confirm that you are eligible to receive the money, and it comes to you later that day. With direct deposit, this process has never been easier than it is right now. Why are individuals choosing these payday advance online? There are some times when you have to have money, and you cannot afford to wait. Maybe you have some sort of pressing emergency need. Perhaps you are struggling to make ends meet during a particular month. You need to spend only 5 minutes to complete the application form. Once you submit your application.