If correctly used, payday loans with assured approval could be a lifesaver. Depending upon your state of residence, payday loans might be accessible on-line or by way of storefront lenders. White Hills, or Island Monetary LLC, gives clients loans with more than 600% APR, according to its website. For a full list of what your bank card issuer considers a cash advance and the charges you will incur, see your card's Product Disclosure Assertion.