If you compare payday loans to other financial tools you will find out that payday loans are easier to get, as well as faster to get than traditional loans. If you have one hundred dollars in your bank account but you have already spent that same amount paying for four different things and lets give an example that your bank has a service charge fee of thirty dollars for each NSF and the services that you have spent on and incase your check bounces you will have to pay additional fees for each check lets say twenty five dollars, then from this example if all your checks are on hand at the bank, one check will be paid and three checks will bounce NSF. This will make you owe the bank ninety dollars ($30 X 3) plus the things you have spent on will charge you seventy five dollars ($25 X 3) for a total of one hundred and sixty five dollars in NSF fees on three hundred dollars of bounced checks. This money could also easily double or triple in NSF fees now is it worth it the only other option would be to try out payday lending. If you had applied for a three hundred dollars payday loan to cover the three one hundred dollar checks you wrote, your finance charge would typically have been forty five dollars. Even if you have to roll over the cash advance another pay period, you still would be in a better financial situation then if you solely relied on the bank.