Imagine yourself in this situation: it’s nearing the end of the month and you have a stack of bills left unopened. Your last two paychecks paid for last month’s expenses and you’re left with a negative balance in your Bank of America account. If you relate to this scenario, payday check loans may be your best temporary, short-term solution.

Paycheck Advance Do’s:

• Search around. Just like you wouldn’t buy the first car you find in Lexus’s lot, you need to compare payday check loans.

• Understand that quick-fix money situations may benefit from taking a cash or check advance.

• Try to find an APR that you can afford.

• Find payday loan services that can either direct deposit your money or hand you instant cash.

• Pick a service that doesn’t have credit checks (that is, if your credit is less than the best)

Paycheck Advance Don’ts:

• Get used to taking out loans. You’ll end up in a disastrous financial cycle.

• Pick the first paycheck advance service you stumble upon. It’s necessary to check out pricing and extra, hidden fees that could drain your already-dry checking account.

• Pick a payday loan with high interest.

• Bounce a check made out for the paycheck advance service! This can truly scathe your credit. Choose a service that has flexible payment plans or an extended loan period if you’re that much in the hole.

So, there you have it. Payday loans can be a great resource in making that next due date or payment on your mortgage. Although it can be worse to overdraft your bank account or pick up late fees from Visa, it’s vital to use discretion before taking out a cash advance or check loan.

StarReviews.com says PayDay OK is a top choice for money-strapped individuals who can’t seem to catch a break. They offer 24/7 loan application results, next-day deposits and a 14-day loan period. If you find yourself in the unlucky group of folks who don’t have sky-high balances, this payday check loan service may be your best bet.