Yes, a payday loan is another advance that you have to pay back. Yes, there are interest rates and fees involved with a payday loan. 

But that doesn't mean it's not low cost. A payday loan is what it is. You can take one out and receive $500 by the end of the business day. That's really fast! You can use the money however you want, and not have to answer to anyone about it or be in debt any longer. A fast payday loan may not be something you think you are ever going to need, but it sure can help when traditional lenders won't!

What is it that's got you in such a fiscal bind? Your low cost payday loan is going to be a lot cheaper than some of the alternatives…

• Feel like missing your rent this month?
• How about having your heat shut off?
• Missing car / credit card payments?
• Owing family and friends cash?
• Again? Over and over?

You simply do not want to go there. Anywhere on that bulleted list. So while it may not seem as if there is a such thing as a cheap payday loan when you first think about it, we urge you to think a little more clearly. The longer you try in vain to deal with whatever you have on your plate, the harder it is going to be to make it back to respectability.

The bottom line: A low cost payday loan will be a much smoother ride to financial independence than anything you have on your plate as of now.

As you go forward here today, it pays to consider all of your options. But recall that a low cost payday loan could be the cheapest, least complicated solution to your urgent financial problems. And remember…