Ads for payday advances make them look like a fast, easy, no-nonsense option to get money whenever you’re in a monetary bind. They inform you getting $100 can be as effortless as showing a current pay stub, a copy of one’s driver’s permit, and a blank check. They don’t let you know that for most people, paying down that $100 can find yourself using months, also years, and costing 1000s of dollars.