For desperate people in dire need of cash FAST, this is a good thing. Otherwise, I think getting a payday advance type of loan should be of the very last resort after you have exhausted prior options, including begging your friends and family. The interest on this short term loan really puts a huge dent in your pocketbook. For the maximum of $300 loan, you need to pay a $55 fee. Ouch. The smallest loan of about $75 still carries about a $25 fee. You get the loan money right away and have until your next paycheck to pay back, but think carefully before you go down this route.