Do you need a pay day loan? Did you know that there are alternative ways to get an advance on your pay check? Here are a few:

* Ask your employer for an advance on your paycheck.

* Ask to borrow money from a friend or relative.

* Find out if you can delay paying a non-interest bill such as a utility bill and make payment arrangements with the utility company.

* Ask your creditor for more time to pay your bills.Ê Find out what they will charge for this service Ð a late charge, an additional finance charge or a higher interest rate.

* Find out if your bank or credit union or a mainstream financial firm provides short-term credit products.

Compare several of the links here and you will can see that rates vary considerably.