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"I just need enough cash to tide me over until payday. About cash loan advance advance cash fast loan payday payday" Sounds familiar to you? I'm betting it does. We constantly find ads to this effect on the radio, television, the Internet, and even in the mail. The type of loan being referred to, of course, is payday loans. And they come at a very high price, too, by the way. Payday loans have become a way for people to get fast cash. Check cashers, finance companies and others are making small, short-term, high-rate payday loans that go by a variety of names. Sometimes, they're called cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans. But how do payday loans work? Well, usually, a borrower writes a personal check payable to the lender for the amount he or she wishes to borrow plus a fee. Afterwards, the company or the lending institution would then give the borrower the amount of money in the check minus the fee. The fees charged for payday loans are usually a percentage of the face value of the check. Sometimes, the fee may be charged per amount borrowed. For instance, for every $100 loan you borrow, you get charged a fee of $50. If the loan is extended, a