Unexpected expenses happen to all of us, but when you lack the credit to get a traditional short term loan or credit card, those unexpected expenses can cause panic.  Fortunately for those with less than perfect credit, there is an alternative.

Payday loans require no credit check and they are available online without a wait.  Some online payday loan companies wire your loan direct to your bank in as little as one hour.

A payday loan is a short term loan, usually with a due date of a couple of weeks.  The fees are higher than traditional loans, but that is to be expected.  Fees generally range from $15 to $30 per $100 borrowed.  It is best to check a few different online sites to find the lowest fees.

The online application process usually takes about fifteen minutes and loans can range from $100 to $1500.

The downside to payday loans, also called cash advances, is that if you fail to pay on time, the fees add up.  If you find yourself in a pickle and find yourself needing an advance, just be sure that you will be able to pay the loan back before the fees pile on.