Paycheck Loan
Statistics say that an average employee have money savings to keep him/her alive for an average of three months. Some barely live from one paycheck to another, some succeed in saving more money, so in case of emergency, they could live for a longer period of time until they look for help.
Paycheck loan is a form of credit that offers an amount of money to the employee until the next paycheck. The cool thing is that credit cards with their ever stretching limits are a good replacement for the paycheck loan. First, the paycheck loan is usually no bigger then the salary itself. And on a credit card you can borrow/use the money for a much bigger limit.
The paycheck loan is designed to help people to have a bigger mobility in times of shortage. However, my suggestion is to use it carefully. Don’t take a paycheck loan just to go on vacation or to spend it on stupid things. After all, it a month from your life thrown away for… what? For a new stereo? Or for spending on some clothes, with absolutely no reselling value?
Try to use the paycheck loan only for smart spending. Basically in investing. And investing in things that brings you FUTURE SOURCES OF INCOME!!!! This way you can evolve from financial point of view. And only if the earnings you get are higher then the interest rate you pay for the paycheck loan 
When I will have more time, I will put a list with this kinds of loans and more details about each ones. Until then, good luck.
