The recent grounding of flights in and out of the UK due to the ash cloud from the volcano in Iceland left people stranded in their holiday resorts. For many this was simply an inconvenience as their holiday or credit card insurance covered all their subsequent expenses but others found themsleves without the appropriate cover and had to fund their extended stays themselves.

Commonly people save all year to go on holiday for a week or two. It is therefore not surprising that an unforseen extension of an additional week or two meant that by the time holiday makers were finally able to fly back to the UK, large numbers of them had run out of money.

It can be daunting when there are no funds in your account and yet all your monthly bills are due to be paid. It’s particularly frustrating when you know that once your salary hits your account, everything will be OK. It’s those few days or weeks in the interim that are the problem.

This is where online pay day loans come into their own. They offer short-term loans which are basically an advance on your salary. As soon as your next salary payment is made you then repay the total loan amount. This avoids getting into long-term debt whilst resolving your immediate cash problems.

The application process is quick and easy as everything can be done online, you don’t even need a fax machine. Online payday loan lenders will normally respond to you with their decision within the hour and if you are approved your account will be credited with the full loan amount within 24 hours.

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For those averse to credit whether it be in the form of loans or credit cards, being faced with a cash-flow crisis can often leave them in a quandry as to where to turn. Approaching parents for a short-term loan is a common solution but not one that is available to everyone and not one that everyone would wish to resort to given how awkward it can be to ask parents (or anyone else for that matter) to lend you money.

There’s also the matter of privacy. I don’t think many people like to broadcast their financial situation, whether it’s good or bad, to their friends or relatives. If you ask someone for a loan they will inevitably want to know what you need the money for and why you don’t have the money yourself.

The saying “never a borrower or lender be” is usually issused as a warning to those looking to their friends or family for a loan because entering into such arrangements can put a tremendous strain on even the strongest relationships.

There is a solution for those faced with a short-term cash-flow problem which negates the need to turn to those close to you for monetary assistance and which does not involve getting yourself into credit card debt or taking out a long-term loans. Payday loans are a way of getting a very short-term cash advance which you then repay in full as soon as you receive your next paycheck. They are a great option if you need to borrow up to £1000 for a few days or weeks.

There are great deals available online and unlike other forms of credit, the application process does not involve a credit check and can be done entirely online so your privacy is protected. And unlike the bank of Mom & Dad, you won’t be asked what the money is for and why you need it now rather than waiting until you get paid. You will simply be asked to prove your identity, address and that you are gainfully employed…it’s a hassle free process that can provide you with the funds you require within 24 hours.

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No matter how maticulously you plan your finances, there’s inevitably going to be the occasional unexpected expense. Of course this is what Grandma meant by saving for a rainy day but today’s economic climate has seen people struggle to keep a hold on their savings: there have simply been a few too many rainy days already!

The modern financial market is awash with every conceivable type of credit product and knowing where to begin when you need to borrow money can be very daunting. One way of deciding which credit product is right for you is to consider the amount of money you need, what you need the money for and how long you need to borrow it for.

Most of us have experience of turning to traditional forms of credit when it comes to making large purchases such as our homes and cars. Of course, the higher the value of our borrowing is, the longer the period over which we repay it tends to be. The mortgages we take out for our homes tend to be repaid over 25 years and loans for our cars over 2 or 3 years.

When it comes to short-term borrowing we seem to be far less comfortable with the idea of turning to financial institutions for help. Perhaps this is becuse in the past the only option available on the highstreet was the pawnbrokers and there’s an age old stigma attached to the notion of having to pawn the family silver to put bread on the table. However, it does highlight the fact that the need to borrow smaller amounts of cash for short periods of time is nothing new.

What is new is the advent of the online payday loan which has been developed by lenders to meet the demand for short-term cash advances. Unlike the pawn shop, there is no need to secure your treasured possessions against a payday loan and unlike more traditonal types of loan, there’s no credit check either. All that’s required is evidence that you are in current employment, usually in the form of the latest copies of your payslips, together with the standard personal identification documents and details of your bank account. Furthermore, you can complete the entire application process online, in the privacy of your own home.

Lenders understand that borrowers who are looking for a short-term cash advance just to see them through until their next payday need the money in a hurry. That’s why loan providers have created quick and easy systems that allow them to process your online application immediately and furnish you with the funds within 24 hours. The loan will be due to be repaid on the same day as your next salary payment, hence the term payday loan.

So the next time you find yourself in the middle of a temporary cash-flow crisis due to an unexpected expense it may be worth considering a payday loan.

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