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Vanessa woke up to a non-eventful morning. She made breakfast, sent her kids off to school and started her morning commute to work. As she neared her office, her car stalled, leaving her with no transportation. She couldn't afford to wait to fix her car. She needed transportation, now.

In the end, Vanessa needed $200 to fix a neglected issue, with her car. How was she going to get $200 in 24 hours?

The fact is no matter how much you try to budget for unexpected expenses, something always happens that takes you out of your comfort zone, financially.

More consumers are taking advantage of short-term unsecured personal loans to navigate unexpected expenses, especially, if they can't or don't want to borrow money from a relative or friend. Cash payday loans, also referred to a short-term loans, are usually extended to consumers for 14 to 30 days. Lenders, typically offer loans of $100 to $500, depending on your monthly income, after deductions.

In order to qualify for a loan, you must be steadily employed and earn at least $1,000 per month. Some lenders advertise "unemployment loans." Don't fall for them. No legitimate financial institution will lend money to a person, who has no source of income.

Applicants seeking a payday loan, must be of legal age - 18 years or older. In addition, most lenders require their clients to be a citizen of the United States.

Can I get a cash advance where I live?

Loans are available in most states. Most consumers have no problems getting loans. Some states prohibit multiple outstanding loans. You can get a loan at your local cash store or you can get a loan, securely, on the internet.

Applicants, who apply for a loan online, will enjoy some technological advantages such as getting your loan instantly approved in minutes. Lenders, who offer no credit check lending, make it easy for you to get a loan, even if, you have bad credit or no credit history. Furthermore, a faxless process guarantees that you don't have to fax any documents such as bank statements, pay-stubs and other documents to the lender. If you have a job, you can get a loan. Some lenders, will not approve applicants, who have multiple outstanding payday loans.

How much money can I get?

During the loan application process, you can request the loan amount that will meet your needs. Keep in mind that you cannot borrow more than you earn. For example, if you make $1000, you cannot request a loan of $1,000 or even $500 because the lender assumes that you have other financial obligations that you must meet.

Most lenders offers loans of $200, $300, $400 up to $500. Borrowing a few hundred dollars, ensures that you can repay your loan in time, for a win-win situation. You get the cash you need and avoid additional fees.

What about my low credit score?

Lenders usually offer loans, regardless of poor credit. Unlike traditional unsecured loans, which require you to have good to excellent credit, payday cash advance loans, simply require you to have a job. Your employment status will be verified by the lender, prior to approval. This means that you must complete your loan application truthfully and thoroughly.