If you are short on cash and don't want the overage charges your bank will surely add on to your account, then you can get a cash advance or payday loan. With a cash advance you can get up to $300 dollars the first time you apply, which will be paid back on your next payday. You can put off the payment with some companies a few times; however, that is where the charges will rack up.

When you get a payday or cash advance loan, you will pay about $60 dollars over the amount you borrow; however, if you put the payment off they will charge you $60 dollars each time until you pay the loan. Other companies will let you pay a certain amount that can be taken directly from your checking account every payday.

If you opt to do this, then just know that each time you pay the minimum payment you will only be paying more and more. What should have been an easy $360 dollar payment could turn into $600 easily. Not only will your cash advance cost more than you expected, but you will be paying on it for a long time, because each time you pay it the next payment amount is lower.

Not lower on interest, just on the amount you owe the next payday. This is how they get most people to sign up for a cash advance, because they think it will be easier to pay over time instead of being short on cash again.