We all hate those times when work slows down but the bills keep pouring in at the same rate. We've tried to balance our budgets as best as we can, but with surprise car repairs, unexpected medical fees, home repair costs, rising food prices, and utility charges that seem much higher than before, we're left with little or nothing in our bank accounts to cover ongoing payments and withdrawals. We know that work is going to pick up, but in the meantime we need some cash flow to keep gas in our tanks, food on our tables, and coal in our stoves.

A cash advance would be a welcome respite, especially since we don't even have enough money to pay for a decent coffee. Even though we've left this situation almost to the last minute, we can still fill out an online application and be quickly approved for a modest sum of money allowing us to stretch until next payday.

Of course we understand that this isn't "free money", and that we will need to repay our payday loan, because it's only a short-term solution. Borrowing from Peter to pay Paul isn't going to get us ahead financially, but on the other hand, paying Paul will keep Paul from turning off our power or taking away our car, so in many circumstances, these cash advance solutions are better alternatives to NSF fees and reconnection charges.