Get cash loans in minutes…but wait. Do you really need a cash loan? We look at the best interest rates, alternatives, and options you have before taking out a cash loan. Most cash loans can actually be avoided. Did you know that? Some people chose to sell the odd high ticket item they have kicking around the home rather than take out expensive interest loans. Some speak to parents or friends and negotiate themselves a deal before looking at payday loans. This is because small loans are expensive and no one wants the weight of a loan dragging them down, especially if you have bad credit, it can be 292% interest a year!