A traditional loan used to be one in which you signed on the dotted line and the money was yours. This is not so anymore, as banks have hit an all-time low in their approval ratings for any types of loans. Credit unions are a little less stingy with their money; but, if you are not a member in good standing, you stand the chance of not being approved there either. This is where payday loans literally save the day. If you are finding yourself short of money by the end of the month, you could find