My wife and I have a couple of credit card bills that we need to pay by the due date or we will be charged a late fee which will put us over our limit.  Once that happens we will be charged an over limit fee.  If we pay these three bills late it will cost us about $210 in fees.  We just don’t have the money to pay them right now, we had some unexpected expenses come up which has left us short.  We have decided to take out a payday cash loan so we can avoid these fees.  The fees for the loan are far less that what we would be charged if we pay late.