. As long as you are borrowing only what you need, then you will not get into debt. Though cash advances play the role of a payday advance, you should make sure the amount you borrow does not threaten or deplete your next pay cheque. It is tempting to apply for a cash advance, considering the simple eligibility criteria. All you need is to be an adult with a regular job, and a monthly income, residing in the UK, and if you have a current checking account with a debit card number, then you could have the at the cash advance in your account within no time. Thus, it is important that you consider all your reasons to take a payday loan seriously.