Some people are quick to judge the value of a payday advance. Usually these are the people who already have impeccable credit, and always have enough cash to meet their expenses. It's hard to understand the need for money if you already have bags of it to throw around.

But some people, those who sometimes have troubles going from check to check, need to have other options available to them in order to make it through the tough times. And the banks aren't always ready to hand out money to everyone, especially when there are fiscal concerns, and those bank clients who might not have sparkling credit ratings.

So for those, the option of a payday advance (or a cash advance) is the best or only option, and is a financial option that allows individuals to continue to make important payments, even when their budget runs out a little sooner than the next payday. There isn't anything wrong with using these money services, especially when there are worse financial consequences. Service charges are a small price to pay when weighed against foreclosures, credit penalties, and other complications on late payments, including bounced checks, and NSF charges.

So, don't be too quick to thumb your nose at payday advance businesses, because while they're there to make money, they also provide a valuable service to those in desperate or near desperate need.