You may plan out your finances to the penny and account for your every expense, even with the books balanced it doesn't protect us from the unforeseen. You may have cut back on your monthly or weekly shop by purchasing cheaper alternatives to the branded products you usually buy. But your shopping budget can only be cut so far.

There are many ways that you have probably cut your budget by swapping utilities and being more frugal with leaving appliances on or when to use the central heating. Where possible you may have decided to walk rather than use the car and cut out any unnecessary journeys.

All this cost cutting is fine but what do you do if something goes wrong. Appliances do not last forever and the car will eventually need some significant investment if you want to keep it on the road. You may find that when you turn your boiler on this winter it packs up, you have not got the money at hand to pay for the repairs so what do you do.

When you have a situation where you need money quickly you can get an emergency payday loan. This is a quick short term loan to solve your immediate financial problems. You can apply for your loan, known as a debit card loan in the UK, online by completing a short and easy to complete form.

Once you have completed the online application and it has been submitted the broker will be able to match your requirements with the appropriate lender. Once approved your loan will be deposited into your bank account. You will need to have a bank account with a UK debit card associated with it.

You can borrow anywhere up to a thousand pounds and your money can usually be electronically transferred to you're the next working day. In some circumstances you can even get your money the same day. There are no long complicated forms to fill in and you do not have to fax or post any documents. Debit card payday loans are designed to be a quick, convenient and hassle free form of lending for those emergency and urgent situation where you need money fast.