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If you live long enough and weren't born to wealth untold you will likely run into a tight financial spot at one time or another. Maybe your kid got sick and hospital bills mounted and after those were paid there just wasn't enough to pay the rent.

If you already have bad credit (for whatever reason) where can you get the money you need? What's known as a cash advance or payday loan could be your best answer.

Of course this option isn't a very good one if you don't think that you're going to have the money to pay off your payday loans within the next payday or month. These personal loan or cash advance lenders get a bad rap when people have difficulty paying their payday advance back, but the reality is the loan is meant to be a short-term cash advance.

If you will soon have the money to pay off your payday cash advance then the situation is actually in your benefit since you can get the money you need without even showing your credit report. If you are prepared to pay the cash advance off quickly and are now ready to take out personal loans, then there are some things you should keep in mind when choosing an instant cash advance lender.

Payday advance lenders have different laws to follow in every state, so the most effective lenders for you are those that are located near you. Obviously you are going to want to find the lender that will give you a competitive APR in your area.

The lower the rate the less you pay. Find out who the top lender is in your area and compare their rates to the competition. Look for the lender that is most willing to work with you on a payment schedule that you're sure you can follow. This scheduling process will be crucial for helping you to achieve your freedom from your advance cash loan.