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Before taking out a payday or cash advance loan, you should explore all other financial options. For instance, you would be much better off financially if you can borrow the money from a friend or relative at a modest interest rate and pay the amount back over time. You might also be able to obtain a personal loan through a credit union at a much lower interest rate. Even if you obtain a cash advance on your credit card, the interest rate might be lower than what you would end up paying on a payday loan. Another possibility is to ask your creditors for an extended amount of time to pay your bills. Chances are you will have to pay late charges, additional finance charges, or a higher interest rate, but, even at that, it may be the best financial route to take.