We can’t all be like Elon Musk who, with a net worth of $13.9 billion, comfortably told his shareholders to buy stock in his competitors. The vast majority of Americans can only dream of having that kind of wealth, and most of them would still think twice about alienating their investors. In reality, far too many people in this country are living paycheck to paycheck with no way of paying for unexpected emergencies on their own. While Musk can rely on his billion dollar fortune (and then some!) to fall back on, these individuals will have to rely on outside assistance to cover even the simplest things.

Almost every year, there’s a study on the state of the Americans finances, and regardless of its source, the outcome invariably remains the same: the majority of the country has inefficient savings for unplanned expenses. Bankrate is the most recent organization to publish these findings. Their study revealed roughly 60% of Americans are unprepared for an expense of $500 or more.

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$500 isn’t a lot of money in the grand scheme of things, but you know as well as anyone that it matters a great deal when you have no savings set aside. It’s easy to run up this sort of debt simply by living life — even while following a strict budget. A quick yet necessary repair on your car, a trip to the doctors, or a serious of unrelated bills with the same due date can easily cost this much or more.

So what do you do when you’re facing a cash shortage emergency thanks to these necessities? While some may contact conventional lenders for help, they often fail to provide assistance to exactly the type of American who needs their help the most. Strict regulations prohibit those with subprime credit ratings from applying, meanwhile the application process itself is extensive, often taking longer than you can wait.

When time or your credit rating isn’t on your side, consider opening up a new tab in Firefox to find payday loan direct lenders online. These companies offer a faster, easier, and more convenient alternative to traditional lenders that won’t necessarily reject your application due to your credit score. A direct lender uses a variety of criteria to determine if you qualify — not just your financial history — and they’ve eliminated much of the bureaucratic red tape that slows down applications with conventional lenders.

You can find out what you need to apply by checking out their website, and often its simple contact information as well as proof you have an income, a bank account, and an email. That’s all you need to start your application. If you qualify and are approved, you can receive a small dollar loan within just one business day, making direct lenders a great choice for when bills or repairs need to get paid yesterday.

While Elon Musk’s riches are probably not in your future, savings of $500 or more to cover unexpected, necessary purchases is more likely. Until you manage to establish a ‘just-in-case’ fund, look towards direct lenders of payday loans. They may just have the solution to your cash shortage problem.