When should you get a cash advance:

• Another non-tangible justification is when you can avoid getting reported for a late payment. This can be far more expensive than any cash advance loan fee in that it could affect the cost you pay for future loans. This is especially true if it's your mortgage or car payments

• Yet another reason to get a payday loan is that you determine that the cost is worth it to you personally. If you are headed for the long awaited vacation and could use a few extra bucks to enjoy.

• There are times when cash advances are justified. The primary example is when your late fees are more expensive than the late fees paid to your creditors.

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