Answer:
As an alternative to a payday loan consider the following: 1--request a pay advance from your employer or borrow from a relative in order to cover immediate expenses; 2--apply for a standard signature (or secured, if possible) loan instead of a payday loan, and attempt to cover late fees, finance charges, and other accumulated debts with the money borrowed; 3--depend on your bank or credit union's account overdraft protection to cover sudden, unavoidable shortfalls.