<prompt> Human: Hey guys, Im in a bit of a situation here. My rent is coming up, and Ive got most of it - Im short 200 though, and have nothing to sell or pawn. Im considering getting a small payday loan to cover the balance, with the intent to pay it back on my next paycheck at the end of the month.I know that if I were living beyond my means, it might be a black hole of debt. However, Im in this situation because of a change in position at work which affected my pay cycle. I am more than capable of paying the loan back, but not until I receive my second paycheck at the end of the month.I guess my questions are what are the risks, any recommended payday loan services that operate in my state Maine, and general information about the process and payday loans in general?Thanks!Edit I just wanted to point out that I have plenty of food and everything else electricity, phone, fuel, etc. has been paid for in advance with my only bit of savings. Sort of a set back, but Ill be making more money after this change, so its alright.  <response>: I imagine you arent in a situation to ask family members to spot you? 200 really isnt much money. Id give that to a cousin if I knew that they were in a tough spot.Otherwise, I agree with the others who say to speak with your landlord. Check your lease agreement; theres probably an automatic late fee 10 of rent is common when payment isnt received by the 3rd or 5th or 7th day of the month. This is almost certainly cheaper and definitely less risky than a payday loan. Then call your landlord and let him know it will be late due to a gap in paychecks caused by getting a new, better paying job.You set expectations, show that you read the lease and understand your obligations, and communicate that you got a better job and imply that you will be even more reliable with rent in the future. 