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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 cash 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.

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THE OPERATOR OF THIS WEB SITE IS NOT A LENDER, is not a loan broker, and does not make lending decisions on behalf of lenders. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender who makes short-term cash loans to borrowers who meet its lending criteria. Providing your information on this Web Site does not guarantee that you will be approved for a short term cash loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse any particular lender or charge you for any service or product. Not all lenders can provide the maximum amount advertised. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change from time to time and without notice. For details, questions or concerns regarding your short term cash loan, please contact your lender directly. Short term cash loans are meant to address immediate cash needs and are not a long term solution for financial problems. Residents of some states may not be eligible for a short term cash loan based upon lender requirements.