Almost everyone runs out of money at some time or another. Sometimes we find ourselves broke at the worst possible time, such as when the rent is due or during a medical emergency. Paying bills with a credit card is not always an option for some people because of credit or other issues like having a felony conviction. For people in a financial pinch, there are local payday advance services to get you the cash you need right away. These local companies provide funds without doing extensive background checks, credit histories, or dragging out the process over a long waiting period like regular banks. Most payday advance services are not even concerned with bad credit, which makes them ideal for consumers in debt. Local payday advance services have a variety of different policies, so you should ask your branch about specific information. In general, payday advance companies give loans to anyone who can provide identification and proof of employment, or some form of collateral, such as a house or car. Having an active bank account makes their job easier, but is not necessarily required. They usually have fairly high interest rates, but they are not very discriminating about their customers. It is definitely better to use a local payday advance company than it is to bounce a check or simply avoid making a payment altogether. Sometimes these services are referred to as short term loans because they often merely cover some or all of your paycheck, for a small fee, until you receive the payment in full. No matter what you choose to call them, these local companies will usually give you the money you need within 24 hours of your application submission.