<prompt> Human: Hey guys, so Im cutting it close to my rent payment this friday.I am considering getting a loan from Avant and paying it off when I get paid next week. The payroll system was unable to register my hours from last week for which I was supposed to be paid this weekThursday. This was due to last week being my first week as an intern there. I read about asking your manager for an early paycheck under these circumstances, but 1. my manager is on vacation until next week, 2. Im not sure if the balance would show up on time. However, I work at IBM, and that was one of the examples of a company with cash laying around so I should probably just ask tomorrow. Should I just leave the loan to the last minute just in case I cant get a paycheck early?  <response>: You should ask yourself what is the cost of a loan vs. the cost of paying your rent late. Im a landlord and charge a 50 late fee for rent paid after the 5th. If you decide the late fee is a better option you should notify your landlord of the situation. When you expect to pay and that you will be adding the late fee. I always cut tenants a little slack when they are up front with me. 