Payday Advances: An Alternative to Credit Cards

Payday advances help make ends meet

If you want to use plastic without overspending, get a payday advance and use your debit card.

If you want to use plastic without overspending, get a payday advance and use your debit card.

Just when you could really use it, you run out of cash. You scrape together enough money to pay the mortgage, and the home insurance bill comes in the mail. You might be able to let that slide until next payday, but then, just for good measure, the car won’t start. Naturally, your kid takes this opportunity to remind you that his karate class fees are due tomorrow.

Payday advances can help you avoid credit card debt

When money is tight, it can be tempting to use credit cards. But when you’re living from paycheck to paycheck, credit cards make it very difficult to stick to a budget. If you charge just a couple hundred dollars a month and pay the minimum payments, you’ll soon find yourself swimming in debt. Before long, you’ll run up a debt that will take years to pay off.

Applying for payday advances is absolutely hassle-free

It’s quick and easy to apply for online payday advances. At Personal Money Store, it takes just a few minutes, and in many cases funds can be deposited to your account in as little as a few hours, maybe a day or so. You can apply for payday advances of up to $1000, and the minute you do, Personal Money Store connects you with the payday lender that best meets your requirements. You don’t have to fax anything or even pick up the phone. It would be great if there were no credit check, but the reality is there will likely be some kind of credit screening.

Payday advances are easy to pay back

Most online payday advances are paid back on your next payday in one automatic deduction from your bank account. You don’t have to bother to write a check or remember to pay online. Sometimes you can qualify for an installment payday advance that lets you make several smaller payments over a longer period of time.

Payday advances can help you avoid overspending

Next time you’re short of cash, consider applying for an online payday advance instead of using a credit card. A payday advance doesn’t drag on the way credit card debt does. When you get a payday advance instead of using a credit card, you can’t accidentally overspend: You know exactly how much money you have available. And compared to credit cards, there are no surprises: With payday advances, you know exactly when the debt will be paid off and exactly what it will cost.

Payday advances can get you through to payday

Borrowing should never be undertaken lightly. (That’s the problem with credit cards – it’s just too easy to forget that every purchase is a loan transaction.) Any form of credit can be misused, and a payday advance is no exception. But it’s completely possible to get the benefits of a payday advance without digging yourself into unmanageable debt.

Before you apply for a payday advance, ask yourself this question: After paying this back, can I get by on my next paycheck without having to borrow again? If your answer is yes, a payday advance is the ticket to your next paycheck.

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