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If you dummies don’t know a payday loan or payday advance loan or paycheck advance is a small, short-term loan that is intended to cover a borrower’s expenses until his or her next payday. In this case consider this dummy (me) as the lousy one who needs the money to pay his insurance money and some other minor things… lol.. I am not the only one in Accel who will need a paycheck advance. I am not saying any names.