If you're desperate for cash, it can be easy to get lulled into the false belief that payday loans are your only option. It's important for you to know that there are payday loan alternatives that won't suck you into an endless debt cycle. Speckle is a not-for-profit organisation offering an economic lifeline to people on low incomes. Their fees are usually around 50% cheaper than the market average, with complete transparency around repayment terms.