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Technically speaking, they're loans for less than ,000 that must be repaid between 16 days and a year.

Leigh Thompson began writing in 2007 and specializes in creating content for websites.

She has been published online in various capacities.

One way to work around not having your auto insurance reported to your account is to charge it to a credit account.

You pay your insurance with a credit card and pay that credit card monthly.

While your auto insurance account does not regularly report to your credit report and score, there are ways to make your regular payments work for you.

If you default on your auto insurance contract, the insurer sends that account to collections which can mar your credit for up to seven years and result in judgments, wage garnishment and lowered credit scores, not to mention perhaps losing your driving privileges for a time.Having already racked up ,000 in credit card debt, Caitlin says initially she wasn't sure about whether a payday loan was the right choice."Then over the next couple of days I noticed that Nimble was really everywhere I went.Thompson has an associate degree in information technology from the University of Kansas and is working on a bachelor's degree in business and personal finance.Enter your mobile number or email address below and we'll send you a link to download the free Kindle App.A quick call to your auto insurance company gets you the document in hand showing you pay your monthly bills in a timely manner.You may also qualify for in-house discounts if you pay your bill on time.You might be wondering how someone with ,000 in credit card debt managed to get a loan.The loan Nimble gave to Caitlin was totally legal — the 20 per cent establishment fee and 4 per cent monthly interest fee are in line with Government regulations that still stand today. The Government launched its review of the current laws last August, and delivered its final report this year.For those of you playing along at home, she's already up to 4.Once Caitlin had selected her payment schedule, the money was in her account within minutes."It was in there within, I'd say probably, about half an hour.

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