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There are times when a cash advance loan or payday loan may be agood way to get you out of a tight, financial scrape. There aretimes when a payday loan may be a wise decision. Keep in mind,this is assuming that you definitely have the ability to payback the loan right away. Here are some examples of times whenusing a payday loan might be a good idea:. If the late fee on not making the payment that you would needto make, would be more than the fee for taking out a payday loan.. When, if you don’t make the needed payment on time, it couldhurt your credit. Your credit is something you cannot erase.Having the payment show up late on your credit, can make itharder for you to obtain a loan for years, while a fee for apayday loan is only temporary.. When there is a much more serious, long-term consequence tonot paying for your immediate need, more serious than a -fee.. To save yourself from bounced checks, the fees for bouncedchecks can quickly total much more than t…