Emergency situations occur, and sometimes bank accounts can't accommodate the need. Although some consumers may feel ashamed to seek a short term loan or cash advance to make ends meet, it is a common occurrence. The loans are quick and painless, and a fee of approximately $15 is assessed for every $100 loaned out. This price is minimal compared to the cost of a bounced check, missed utility payment or another necessary charge. The website Buzzle offers some tips to consumers who are seeking this nontraditional credit line. Do budget accordingly, read the small print and pay on time. Although the loans help you out of a financially difficult situation, the money is not free and must be paid back to avoid more fees. The small print will explain due dates, interest rates and other fees associated with the loan. Don't lie or take out too much money, says the site. Lying may bar you from a current transaction as well as future needs. Borrowing only what you need will mean lower fees and a higher chance of paying back the loan on time. Don't go with the first company you find, either. There are hundreds of short term lenders online and in communities around the country. Buzzle suggests shopping around.