Wells Fargo used to have a service like this [1]. You could get up to half your regular direct deposit amount or $500, whichever is less. You were charged $2 for every $20 of the loan amount, and it was automatically deducted from your next direct deposit. At that rate, assuming 1 direct deposit per month, that would be 120% annual interest. The ATM would suggest this alternative if you were about to withdraw more money than you had available, resulting in overdraft charges. I would think more options like this (but with more reasonable fees and flexible repayment terms) would be a preferable alternative to payday loans.<p>1. <a href="https:&#x2F;&#x2F;www.wellsfargo.com&#x2F;about&#x2F;press&#x2F;2014&#x2F;20140417_direct-deposit-advance&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.wellsfargo.com&#x2F;about&#x2F;press&#x2F;2014&#x2F;20140417_direct-...</a>