I went through a period where I was literally living paycheck to paycheck, going negative in my bank account and making late payments on pretty much all the bills. When I started looking for a cash advance website, I applied at CashNet USA and was accepted for a loan despite my horrible credit. I would recommend their site for a number of reasons such as their customer login account (you can check the status of your loan, history, etc), payment reminder e-mails, this company is legit and doesn't spam your e-mail with other offers or affiliate e-mails like others, and they allow you to repay your loan back right away or over a couple paychecks.
I never got in contact with their customer service so I can't really rate that, but feel that their FAQ and website is pretty straight forward. And to be honest, I didn't really look at this site's rates because I was pretty desperate but for others--don't be like me--actually look at rates and try to pay back your loan asap! (duh)
