While using these types of loans can become necessary to adjust for an unexpected one-time expense, families should resist the temptation on a regular recurring basis in order to avoid the snowball effect. While it may not seem like it at the time, it is nearly always better to either borrow money from a friend or family member or to take a hard look at reducing spending to make ends meet. Another option may be to consider a car title loan, which in effect uses your vehicle as collateral to secure an advance. This is logically superior as compared to using your paycheck, because even though you have made a promise to pay, it is still essentially an unsecured loan. However, be sure to shop around because using your car title can also incur fairly high interest rates. Also, care must be taken to pay it off quickly and get your title back and not just "letting it ride", no pun intended.
In summary, the use of payday cash advances will virtually always worsen your future financial condition, especially if used on a recurring basis. If necessary and in the case that all other options have been exhausted, they may be utilized in certain circumstances such as when an unexpected emergency one-time expense occurs. Also keep in mind that obtaining a collateralized loan is typically preferable to uncollateralized, because usually the less collateral you provide, the higher the interest rate you will be charged.