I Have Don't Have a Checking account.

I receive my paycheck by Direct Deposit Paper Check .

I take home $1200 + $1000 - $1199 $800 - $999 less than $799 per month.

I have No 1 2 3 4 + returned items or overdrafts on my last bank statement.

Wegivecash.com has been in business since 2003 offering payday loans designed to meet a short-term cash emergency such as a car repair or a medical need. The term is referred to as "payday" because the loan is intended to cover a borrower's expenses until his or her next payday. The amount of a small unsecured loan can usually fall between $100 and $1500. In comparison to a long-term loan or credit card application, payday loans are convenient because they are quick and easy to secure.

The following are four great examples of when you know it's the right time to get a payday loan:

1. If the mortgage (or car payment) late fees would be more than the fees for taking out a payday loan.
2. If a late payment is going to hurt your credit. Your credit score is something you cannot erase, and a bad one will make it harder for you to obtain a loan for years to come.
3. When the long-term consequence of not paying for your immediate needs are more serious than a $30-50 fee.
4. When it'll save you from bouncing checks — the fees for bounced checks can quickly total much more than the fee for taking out the payday loan.

To keep yourself safe from predatory lenders when you do apply for a payday loan, there are certain rules you should keep in mind: 1) Find a certified and trustworthy lender, 2) Make sure there are no hidden costs or upfront fees, 3) Understand all the terms and conditions of the loan, 4) Thoroughly go over every cost involved in the deal, and finally 5) Skip loans with high annual percentage rates.

There are some important recommendations WeGiveCash would like to offer to all considering a payday loan: 1) Never borrow more money than you know you can pay back — if you earn $500 a week, then borrow less than that - anymore and you'll likely default on the loan (from there, the cycle of debt is inevitable).  2) Payday loans aren't a long term solution for any real problems — if you find yourself constantly having to get a payday advance, then you might want to consider budgeting lessons or advice. Payday loans are never an effective way to manage long-term money problems, but rather a minimal financial assistance for when emergencies strike. Use them wisely and sparingly.

Below is an outline of articles with further information on the payday loan industry.

• The Payday Cash Loan's Convince Factor - Payday Loans, Cash Loans
• How Not to Use Online Payday Loan Services
• The 411 on Payday Loan Cash Advance!
• Don't Bad Credit Payday Loans Have Extremely High Rates?
• Defining No Fax Payday Loans
  - Can Faxless Payday Loans Help with Unexpected Expenses?
• What Payday Loan Stores Can Do For You
• What Exactly Is A Quick Payday Loan?
• The "Ins" and "Outs" of Instant Payday Loans
• Don't Go Overboard With Easy Payday Loans
• Is a Payday Loan Company Right For Me?
• A Closer Look at Low Fee Payday Loans
• The Dirty, and Clean, Side of Pay Day Loans