Sometimes it happens. I've discussed it here before. Sometimes unforeseen things happen, and you just need a little extra coin to get over that hump. Maybe your car windscreen gets broken. Maybe your brakes go out. Maybe your heater gives out just as a cold snap approaches. Sure, we should have emergency funds for things like that. But there are those times when things happen all at once (at least, that is how it works in my house).
For those times, when your emergency fund is depleted from a prior emergency, and you haven't been able to build it back up proper yet, but you absolutely, positively need a little cash advance in the here and now, there are options. Sure, those payday loans places charge an arm and a leg in interest. But this is short term stuff here people. It isn't like you're going to be paying that 2000% interest for any amount of time. Look, it usually costs about $50 to get a two week $250 loan. If you figure the APR, it is astronomical. But, if you look at it as a fee for a service, it isn't that bad. It beats the heck out of bouncing checks.
Now don't get me wrong, I'm not one that is going to go around advocating the use of the payday loans operations, but I do see they are a necessary evil at times. If used sparingly and correctly, they can be a life saver. The problem comes with people who get themselves into a cycle of cash advance loans, and never get out of it.
Now the cash advance loans have come to the Internet. Cashadvance1500.com is a sort of clearing house for online payday loans operations. You hit the site, fill out the proper forms, and the cash is AHC deposited into your bank account.
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