Everyone needs a small emergency loan at some point – emergency expenses happen, and the sudden need for more money than you have on hand in petty cash is going to happen. Some people have enough in savings to handle it, some use credit cards, and you can always get some <a rev="vote for" title="When I needed fast cash, Personal Money Store was on my side" href="http://personalmoneystore.com/moneyblog/2010/02/25/256-needed-fast-cash/ ">fast cash</a> from payday loans. There are even plenty of reputable online payday lenders, who can wire you the money straight into your bank account. Like other financial tools, if used sparingly and cautiously, they aren't bad at all – no worse than using credit cards.