Should I Get a Payday Loan?

Payday loans, payday loans, payday loans, it's the only thing I see when I look online for a personal loan now. So it piqued my curiosity, after all I am looking for a loan to borrow a small amount of money, I would prefer that I get it sooner than later. Here is the thing though, there are tons of mixed reviews out there about how they're too expensive and so on, but there are also really good ones so it's a little confusing to make a decision. I am basically looking for a small loan, because I have bad credit and can't get a credit card.

So here is what I get from this so far:

Short term unsecured loans, no credit check is performed, check. Must make an income of at least $1000 a month, check. Must be 18 years old, check. Must have a checking account, check. And I think I think that's at least the basics. From what I have read and seen from the various sites I have visited the application process is really easy and quick. Everything is done online and provided to you via bank transfers done within 24 hours. A lot of people have used these kind of payday loans to help them pay for emergency purposes and then pay them back as soon as they can. I agree with some of the posts that they can be a little costly. But in my situation having bad credit doesn't give me many other options. I also read that by getting a loan like this and paying it back, you can actually start to rebuild your credit if you pay it back on time. A lot of people are warning that if you miss payments (I don't plan on it), you can be charged a really big fee. All of this I understand quite well, I mean, I'm planning to borrow responsibly here, I have no intentions of taking out a loan and defaulting on it.

My question still remains, its it worth it? Is it safe? I can say this, from what I have read many people swear that they have had good experiences as far as the legitimacy of the companies. And the problems arise when people don't make their loan payment on time. In many cases, I'm sure that these loans are very tempting because of how easy they are to get. I must admit, these payday loans do have significant features that are attractive. The no credit and no paper faxing thing alone has me almost 100% sure that I'm going to give it the go ahead. Over all the whole thing seems pretty ideal to my situation, but I'm still waiting to hear more personal experiences before I go ahead and decide. I basically just want to know how the experience was for other people and why they decided to go this route.