When you do not have the solution for your financial dilemma, applying for an instant payday loan seems to be a smart choice.  Do not forget that an Instant Payday Loan represents a real cure for all your financial problems.  This financial product provides fast funds.  You can apply for an instant payday loan in order to pay your rent or some older debts.  You can also pay off some reconnection fees or some pending bills.  Remember that all the late payments have a negative effect on your credit score.  Keep in mind that a tarnished credit history can be a real obstacle in getting better loans.