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A 200 cash advance is common, so the fees aren't as much as with other larger loans. You can usually get a $200 cash advance without credit check, no collateral or bank account. The terms and conditions are also different. This loan is a temporary fix to an emergency financial situation.
This is not meant to be a long-term solution to money problems. You can get out of it as soon as possible. However, it's not too difficult to take out these loans on a regular basis. This is where the interest comes in, and often with a high percentage rate. If you have no way to get out from under a current cost, then you need to think about spending some of the money on another purpose.
A lot of people who use a 200 cash advance or two on a regular basis find they can't pay the bills. They either have expenses that they can't cut back on or they don't make enough money at their job to live even with their salary. They may also have a good amount of student loan debt. One option for these folks is to take out a payday loan. While this can get you the money you need fast, it can come with a pretty high interest rate.
You might have a credit card that charges very high interest. You might have balances on credit cards that carry higher than normal interest rates. Take all of the available options into consideration. If you don't have any credit cards, consider a department store card. In fact, many people find they don't even have to take out a cash advance fee because their credit cards will cover most or all of the cost. This saves them from a one time payment fee.
If you have a stable job that pays well and have paid off your debts, you might be able to do a pay day loan without much of a problem. This is because you already have a steady income. If you are in a situation where you aren't sure whether or not you will be able to make your minimum monthly payments, however, it's best to just take out a one time, 200-dollar cash advance fee. This can give you a little extra money to play with.
When you get ready to apply for a loan, it might be wise to get all your financial information together first. If you have bad credit, it will be harder to get approved for a pay day loan, but it might be possible if you can show a stable income and some credit history. The more information you can provide, the better chance you have of getting approved. Then, once you do, just be careful not to spend it all. Save some of the money for emergencies, pay your bills on time, and pay off your debt as quickly as you can. You'll be glad you did when you get your money!