There may be reports of the recession easing, but many people are still struggling to make their salary last all month. If something unexpected crops up, it can be even harder. And not all loans are about luxury spending. Many people need a cash advance just to cover basic items.

If you need a helping hand until you next get paid, payday loans might well be the answer. And if you take out one of the many payday loans available, you certainly won’t be alone - between August 2007 and June last year, the number of payday loans made in the UK grew by over 130%.

There are many things payday loands are not: they aren’t a permanent solution to all your financial problems, nor a source of continuous credit. But what they can do is tide you over until the next pay cheque if you have an urgent need for short-term funds. That’s why payday loans tend to be smaller than other kinds of advances.

Regrettably, not all providers of payday loans enjoy the best of reputations. At www.247Moneybox.com, with our focus on responsible lending, we only lend to customers what we know they can affordably repay. In accordance with the law, we advertise our rates and APR clearly on our website.

If you are approved for the loan - and the online application only takes a few minutes - we are able to send you the money very quickly.

Times are still tight for many of us, even if you have a job, and unfortunately sometimes a pay cheque runs out well before it’s meant to, leaving you high and dry. If it happens to you, overdrafts can be prohibitively expensive. You could use a credit card, but what you really need is money in your bank account to draw on. Cash loans can be the solution if you have an urgent need for relatively modest, short-term funds to tide you over.

If that’s your situation, make www.247Moneybox.com your first port of call. Unlike other providers of cash loans, we are committed to responsible lending. We don’t want people to have larger cash loans than they can comfortably afford to repay.

Just spend a few minutes applying online - there is typically not a piece of paperwork in sight - and you’ll usually get a decision the same day. If you’re approved, the cash loan will be credited to your account as quickly as possible.

A domestic emergency like a broken boiler or unforeseen costly car expenses can throw the best-laid financial plan awry. There are times when we all need a bit extra to keep us going until next month’s payday.

If you need cash in a hurry, credit cards and other forms of cash advances are costly and not always appropriate. Unauthorised overdrafts for example can be hugely expensive. But payday loans can bridge the gap. Payday loans are not designed to be used all the time as a second income, but they are fast, convenient and hassle-free.

The other great thing about payday loans is that there is no time-consuming paperwork. Just a few minutes with our online application form and the money can be with you very quickly.

At www.247Moneybox.com, we’re committed to responsible lending. That means, for example, not giving more than one of our payday loans to a borrower at one time. And we only offer payday loans to people who are employed, or who have a regular income. Our payday loans are intended to be repaid within a month, so debts don’t stack up.