Advise which payday loan would be easy..

It was a really an embarrassing moment as I had guests over and the electricity bill was overdue. I got a call from the electric company asking to pay the bill the in a day's time or they would have no other option other than disconnecting the power. This put me in an odd situation as I had other expenses for the past few months and the bill was really over due since I did not pay even last month. With my guests in the house I could not afford to pay the bill. I then remembered a colleague of mine had mentioned something called a payday loan. I searched through the Internet and very difficult to find which one would be the best as there should be over charges and could be for short term...Please advise me on this.

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