Pay day loans are normally used when people are strapped for cash. They are not advised because they cost so much and must be paid back in a very short period of time.

There is an option to pay day loans that a lot of people forget. It’s called negotiating. If you owe someone or a company, often times it won’t hurt to just negotiate the payment instead of borrowing for it. For example, maybe you can come up with a payment plan. Or just ask if you can have a couple of weeks until you get paid.

If you ask, you never know what answer you’ll get.