Running short on cash is very, very common. Well, at least for us common people. By common, I mean those who belong in middle and working class families. So who do you run to when you run short? Do you go to a loan shark? Does your company provide cash advance benefit? Do you take out a salary loan from a local bank? All of these options I have tried myself, and I can say that the best is still getting a cash advance from the employer or company. Because getting a cash advance from the company usually doesn’t have interest on top of the loaned amount. Getting a loan from a loan shark is the last option I will take because the interest rate ranges between 10-20%. This is extremely high, and the terms are usually short too. But this depends, since not all companies provide a cash advance benefit to their employees, and some who do, usually have certain requirements the employee should meet such as being a regular employee, tenure of at least 6 months to a year, and a good record with the company. Getting a salary loan from the bank isn’t too bad as well. It takes just a few days to process, and loan amount can sometimes be higher than the monthly salary. Again, this depends on a lot of things, such as credit record, salary bracket, and such. How about you? What are your experiences when it comes to borrowing money?