Oh no! Your next paycheque is not due for a fortnight but your bank account is empty today? There is actually no need to panic. If you know how to use cash advances, you know how they can restore peace and stability, to both mind and pocketbook, in a matter of minutes.

This is because payday loan services are an easy-to-use, simple-to-manage method for bringing your hard-earned cash forward by a week or two. You are telling the lender you have a job (only people with jobs can get one), and because you are due a paycheque you will be able to pay back on the loan.

Having access to cash advances is important for both financial and psychological reasons. It simply is hard to think when you know the wolf is at the door, so to speak. Here are reasons why that is not necessary, when a payday loan can alleviate both sources of stress:

• A calm, 15-minute application on line – You apply from your personal computer, not through a harsh plate glass window in a payday loans store. You can do it in a quarter hour or take all day if you wish (just be sure to get it done!).
  
• A reassuring approval in one hour – There is no need to stay up one more night with worry. You will know your loan is approved within about 60 minutes or less (almost everyone is approved if they have a job and a bank account).
  
• The comfort of new quid in the morning – You still might want to wake early the next morning to go check with your bank. The money from cash advances is deposited overnight, ready for immediate use the next day.
  

Could this work any easier? Most important, can you find better comfort than to manage a cash flow problem without breaking a sweat?