Short term loans (sometimes called cash advances) are sometimes the only real way out of a tricky situation, but they can prove useful in more ways than one. Such loans are very easy to acquire, and can prove useful for holidays, buying a new car, or for making a payment when the payday is right over the corner and basically everywhere else where you need fast money.
It's true, the interest rate for short term loans is usually higher than that of other loan types. This is in many cases outweighed by the speed in which they're acquired and by the low qualifications needed for acquiring such loans. As state-imposed regulations have helped "democratising" the market of such loans and as the competition between their providers has raised fiercely, short term loans are becoming increasingly popular and more accessible to the public.
To acquire online cash advance, you might want to apply for online cash advance, as it's very easy to acquire cash loans over the internet--most lenders will pay you in the same or the next day.
As mentioned before, short term loan require less paperwork and thus are more accessible. But what about people with lower credit ratings? For one, many lending companies offer higher-interest loans to people with below average credit ratings. If you have a lower credit rating (have missed payments in the past), you'd be better off with providing the lender with a collateral, as this usually reduces the interest rate significantly.
Borrow safely, and never take on a burden you can't pay off. Cash loans are helpful, but only if you commit in actually repaying them; if you don't, such loans can become not only more of a financial burden than they were in the first place--besides, they can also mess up your credit rating, which is utterly bad.