A personal cash advance through an online pay cheque loan can be a financial solution to poor cash flow timing. That's because these types of personal cash advances are a good bet for the lender, as the loan is repaid when his or her payday arrives.

But borrowers need to be choosey. Simply facing timing issues should not disqualify you from protections against bad lending practices and loan terms. Personal cash advance loans works best for borrowers who ask the right questions. How does one intelligently weigh personal cash advance options? What is the process for obtaining personal cash advances?

Personal cash advances in a day It's hard to imagine the old personal cash advance processes working for the stressed borrower in a simple, efficient way. Here is how they work today:

Mere minutes to apply: In about ten minutes, you sign on to a lender's website and provide employment and bank account information. Better lenders do not require document faxing but do answer questions via phone, email or live Internet chat.

Approval immediately: Your loan is approved in under an hour. Online versions of personal cash advances are as fast as any Internet transaction.

Electronic cash transfer: Within one day - sometimes on the same day - the loan is automatically deposited into your checking account. Note that no time is required for a hardcopy check to clear.