We have all been in your position at one time or another. You're sitting at the kitchen table or office desk, shuffling through a stack of bills and there is simply not enough money in your account to pay them all. Possibly it's worse and you're overdue and facing your electricity being cut off or your car being repossessed.

Is your rent or mortgage bill due and you don't have enough to pay it?

How will you power your home with no electricity, natural gas or heating oil?

How can you get to work to earn money without your car if it suddenly gets repossessed because you are so far behind?

The bank can't help because you don't qualify for a short term loan or you have bad credit. The application would take weeks anyway and you need the money right now.

You have may have tried to borrow the money from your friends or family with no luck. This is where a payday loan cash advance comes in.

A payday loan is a short term cash advance, which is very easy to apply for, easy to be approved for and the funds can be deposited into your bank account within a couple of hours. This enables you, the borrower, to have the money to pay the bills before it's too late with loan terms that are flexible enough for you to afford. Most payday loans even allow repayment date extensions for a small fee.

If you search the internet for payday loans or cash advances you will find thousands of companies competing for your business. This is good for you and if you know what to look for, will give you the opportunity to borrow the money you need with terms you can afford.

So what should you look for in a cash advance or payday loan company to give you the best chance at securing a cash advance until next payday?

1. Find a company that has a proven track record of approving at least 90 to 95 percent of the cash loan applications that they receive.

2. With today's high speed transaction capabilities, your payday loan company should be able to transfer your loan into your bank account directly and in a timely fashion. So insist on a company that can deliver you loan by the next day at the latest. Some companies can deliver the funds within hours.

3. Look for a company with a strict privacy policy. You want your personal information safe so be sure to review the companies privacy policy and know what they will and will not do with your personal information.

4. Make sure your transaction is secure. When filling out your application form, make sure that the address in your browser begins with