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It's pretty clear that as the economy falters so does the average family's ability to pay their bills. The question is how to survive when times are tight? For many folks who live from paycheck to paycheck and who have bad or poor credit, a payday loan or cash advance is the only reasonable solution.

It seems that almost every day you read about how horrible payday loans are for the consumer. What you do not read is how horrible it is to miss a bill or two or three, have your credit quality destroyed and have late fees and penalties tacked on to your already late payments. In fact; many late fees issued by financial institutions when amortized are far more expensive than the simply fees charged by a quality payday lender. In some situations, a payday loan or cash advance is the only option.

I recently met with the owner of a call center who said he couldn't afford to keep distributing paycheck's early so he has allowed his employees to have access to a quality online payday lender from the convenience of their office desks.

When I used to work in manufacturing, every Friday checks were to be handed out yet every Tuesday a line would form during breaks in front of the supervisor's office. One by one the stories would flow "Mr. Vancil my daughter needs to go to the dentist ASAP, can I please get my check a few days early?" "Mr. Vancil, it is my kids birthday tomorrow, the heating bill was higher than I thought can I please get my paycheck?" One by one Mr. Vancil would reach into his pocket and hand out cash...and one by one he would hold back 25%. To those folks in need Mr. Vancil was a great man, he helped those families get the money they needed to keep their lights on, take their kids to the doctor and pay their rent on time. The sad thing was that for every person in line there was always two more that were too embarrassed to ask for help.

Today were are fortunate enough to have a more humane, less public way to get the help we need to keep our households going. Online payday loans (otherwise known as "internet payday loans", or "faxless payday loans" or "fast cash advances") are an effective, simple, discreet and safe way to get the money you need from the privacy of your home. With a quality payday lender you get access to cash without having to bare your soul in front of your co-workers.

With an online payday loan, you simply sit down in front of a computer, find a good payday lender, fill out their application form (a quality website will make sure your application is safe, private and secure), answer a few simple questions about your current job and press the submit button. After a minute or two, you will find out whether you were approved for a payday advance. If you are approved for a loan, the money you need will be automatically deposited in your bank account (checking or savings you decide) by the next day. Simple, secure, and private. No more waiting in line with your co-workers (or strangers) to beg for extra cash before payday.