Throughout the U.S., more and more consumers are finding it tough to make ends meet and are living paycheck to paycheck. All is usually going fine until an unforeseen financial emergency comes into play. No matter how small the emergency is, it almost always happens when you have the least amount of cash. This is when the payday loan industry and its cash advance loans come in to play.

For example, let’s say that this week you don’t have any extra cash, but next week you’ll have a few extra dollars. But, of course, you car decides to break down this week, leaving you with no transportation to get to and from work, which in turn creates a lack of income. This is an ideal scenario for a cash advance.

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Cash advances are small loans, usually under $500, taken out for a very short period of time (a few weeks), and are payable in one installment. Each individual state has its own legislation as to the amount of money a cash advance can be for, how much a lender can charge for fees, and whether or not the borrower can write a post-dated check for the full loan amount plus all applicable fees for the lender to cash when the loan becomes due.

Instead of using your credit report and score to decide the amount of your loan, the lenders of the payday loan industry use the information on your paycheck (gross and net pay) to create a quick, single payment loan for you

Cash advances and other forms of payday loans, while not illegal in Massachusetts, are difficult to find due to the state’s low interest rate and fee caps. No lender can charge more that 23% interest on any loan, or more than a $20 fee.

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* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.