Are you about taking a payday cash advance? Then you'll do well to consider the following if you do NOT want to land yourself in big trouble...

1. Do you really need this loan? Or, is it just to meet a flimsy desire of yours? There are emergencies that might happen -- It makes sense then. However, if you can forgo it without dire consequences, then don't take it

2. Are there other better less expensive alternatives for you to take advantage of? Can a friend or relative advance you some cash? Explore cheaper alternatives before going for payday loans (they are expensive).

3. How much can you really afford to take out of your next paycheck without starting a vicious circle of taking paycheck advances? Believe me, it's easy to collect a payday advance. What isn't easy is repaying.

Remember that you have recurrent expenditure -- Things that you must pay for by next payday. Would you have enough to handle this loan after settling them or would you be forced to ask for an extension or even take yet another loan (That's a vicious circle forming)?

Decide in advance what you'd have to sacrifice from your next budget to meet up with your repayment obligations.

If you have settled these then comes the shopping...

What are their lending criteria? Make sure you take the time to go through them first before applying. If you are rejected by one lender, it becomes a little bit more difficult for you to get a good deal from another lender.

Furthermore, don't apply to many lenders all at once. There is a database that shows lenders you have applied to. Choose one, study their criteria, if you're satisfied with their conditions and are sure you will qualify, apply.