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A payday loan or paycheck advance is a small, short-term loan (typically up to $1,500 in the U.S.) that is intended to bridge the borrower's cash flow gap between paydays.

Paydayloans are also sometimes referred to as cashadvances, though that term can also refer to cash provided against a prearranged line of credit such as a credit card.
 

Borrowing can help you meet your long-term goals for an education, car or home. But borrowing for day-to-day needs and wants gets many people into financial trouble.

TRY THIS: Before using your credit card, getting a payday loan, renting-to-own or borrowing against your home's equity, ask yourself if you really need to borrow the money.

TIP: THE MINIMUM PAYMENT TRAP

It would take 61 years to pay off a $5,000 credit card balance if you make only the minimum monthly payment. You would pay almost $16,000* in interest!

* Assuming a 14% interest rate and minimum payment of 1.5% of the outstanding balance.

Creditcard Cash Advance Fee.

Charged when you use the card for a cash advance; may be a flat fee (for example, $3.00) or a percentage of the cash advance (for example, 3%)

What are the cash advance features?

Some credit cards let you borrow cash in addition to making purchases on credit. Most credit card companies treat these cash advances and your purchases differently. If you plan to use your card for cash advances, look for information about

Access. Most credit cards let you use an ATM to get a cash advance. Or the credit card company may send you "checks" that you can write to get the cash advance. APR. The APR for cash advances may be higher than the APR for purchases.

Fees. The credit card company may charge a fee in addition to the interest you will pay on the amount advanced.

Limits. Some credit cards limit cash advances to a dollar amount (for example, $200 per cash advance or $500 per week) or a portion of your credit limit (for example, 75% of your available credit limit). About MyPay.dfas.mil

How payments are credited. Many credit card companies apply your payments to purchases first and then to cash advances. Read your credit card agreement to learn how your payments will be credited.

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