An advance payday loan isn't really the best thing, even if you get behind. What's a better idea for a short term loan is to get a credit card, assuming you have decnt credit. If your credit isn't terrible, you can get a reasonable rate for it, sometimes starting at 0% apr. Then you can charge some of your expenses, and though you'll still be in debt, you won't have to worry about the terrible rate that comes with an advance payday loan.

Those loans can cost you 15 percent or more, and for what? Just to get a few days early the money you'll be getting anyway? Forget it. What a ridiculous idea. If you're starving - I mean, seriously physically starving - I can see the advantage of advance payday loan, but otherwise, it's usually no worse than the alternative. It makes more sense to pay the rent late, or the utilities late. That is, unless you are about to get evicted, or have your utilities shut off. Then of course, get an advance payday loan, and get one now!

advance payday loans are usually the weapon of last resort for the very poor and destitute. If you are almost on the street, down to your last dime, then an advance payday loan could make sense and help you at least stay on your feet a little longer, but really, sometimes things get so bad that there's just no stopping them from getting worse. Of course that attitude is of very little consolation if you are the one who is very broke and about to get your house repossessed or your car auctioned, or even your kids taken away.

If you are broke, before you get an advance payday loan, think of your other options. It is always good to consider your support network - your friends and family, and what they might be able and willing to do for you. Even someone you haven't talked to in years might be more than willing to bail you out rather than see you fall through the cracks. I know it is humiliating to have to ask for help like that. I know, because I have been there, but really, it is much more humilliating to be completely destitute because you lost 15% of your monthly earning using your advance payday loan, and are now out on the street. There's no reason to let yourself fall through the cracks like that, when help is around the corner. Also, you can use food banks and free meal programs to help you save money if you are really broke. Most cities have these programs.