Certainly, they can be, but it depends on the circumstances you are in. A small cash advance will definitely help you to make it till your next payday and will be handy if you are short on cash or need to pay your bills as soon as possible. Moreover, having an online payday loan will help you to avoid bounced checks, overdraft and late fees which can be sometimes really expensive. Online loans will also assist you in your emergency expenses. That’s why if you have an urgent bill you need to pay, you should think about applying for short-term loan which will help you cover the needed costs.