Have you been trapped in the past by payday loans? They are only truly useful and better than nothing if you are avoiding a less-than-a-week lack of money that costs less than the amount of impending overdraft or late fees.
Another option available is OppLoans.
If you need money right away, they may be able to give you better access to money than a payday loan.
If you have time and want to “protect” yourself from overdrafts, you can use apps such as “ActiveHours” or “Dave.com”. These apps enable you to get money – perhaps INSTANTLY to your debit card – with 0% interest and pay it back out of your next paycheck.