Summer is finally here. The sun is shining. The kids are out of school. And you are happy. Well almost. The only problem with summer is the irritating extra expenses. Vacations. Camps. Activities. Truthfully, it costs a lot just to keep the kids busy and entertained. This can be a heavy burden. They are looking to you and you are waiting for your next paycheck.

So where can you get the extra cash to do all this stuff if you don’t have enough right now? Here’s something you may not have thought about. A payday loan. A payday loan is a short-term loan that allows you to get cash now and pay back the loan with an additional fee over one or more pay periods. All you need is a verifiable income—about $1000 a month.

More traditional loans, or even credit cards can take weeks to apply for and get the cash or credit to use. Plus, they require almost perfect credit. With credit cards you may only be able to use a small percentage of the available balance for cash advances. Also, you don’t have to secure the payday loan with any collateral, like your car or house.

These loans are easy to qualify for even if you have bad credit. In most cases, lenders do not even pull your credit. All they want to see is a verifiable and consistent source of income—your paycheck, and an active checking account. You can apply online, be approved and receive your money electronically in 1 to 24 hours in most cases. That means no driving to a bank or talking to a loan officer.

Just remember a couple of things. Not all loans and lenders are the same so make sure you compare lenders and loans and find the best terms. Also, you do not want to carry these loans a long time. Get in and get out so you minimize your fees. You can always get another payday loan later.

So what are you waiting for? You may not have realized before you read this that a payday loan was a solution to your money problem. But now you do. So apply now and stop worrying about how you can get to the next paycheck and start thinking about how you can get your kids out of the house, to a camp, vacation or other activity. Apply here and you can take care of those nagging financial burdens and start enjoying your summer today.