A cash advance is always a last resort. If the monthly payments will be too much for you to make do not take out a payday loan. Don't forget to take the interest into account when working out the affordability of the monthly payments. The interest on a cash advance loan, especially when paid off late, can get to be pretty hefty, which is why you should consider taking out a regular loan if you don't plan on paying off your cash advance in a reasonable amount of time.