If there are insufficient funds to cover the payment, the customer will be responsible for paying the face amount of the withdrawal amount, plus fees to their financial institution associated with a non-sufficient funds check, and the payday lender's NSF fee of up to $75. If you need a short term credit solution that you can pay back in a few weeks, then a payday loan is the right solutions for you. One advantage of this type of finance is that this is a lending choice that is available even to those with bad credit or no credit at all. Personal loan is an easy and fast way to pay your bills without worrying about overdraft fees or NSF fees for bouncing checks. These types of personal loans are also offered online, which makes it even faster and much easier for someone to apply for an instant loan without the hassle of having to go to a bank or a payday loan store to get one. Borrowers will find that applying for a faxless payday loan is now easier than ever before.