Payday cash is a very good option for people who have inadequate pay and have emergency expenses coming up. In a Payday cash loan the person is given immediate cash without any pledging or any documents. The person who has availed the loan is given a maximum time of 31 days to pay back the amount. After this time, the fine keeps increasing and at a certain point of time, drastic measures are taken to make you pay the money back. There are wise moves taken by people in payday cash loans. They borrow from one company,use up the cash and they loan from one another company and pay back the last loaned amount. This keeps going in a circle. This was recently found out and certain change s have been made in the loan granting way and that cannot be done anymore. How ever, understanding the difficulties of normal income group people and lending loans at nominal interest rates and also no necessity of documents are a very big plus to the scheme. This is very useful for people who run out of money by the end of the month and do not know what to do when an emergency situation arises.