If you are able to save even a small amount money in a savings account in the midst of the recent adverse economy, you should congratulate yourself.However, you may have found that even though it is your money, the large financial institution at which you hold the funds is trying to limit how you are able to use your funds.For instance, if you have tried to get a small or short term secured loan which was covered by that very savings account, you may have been surprised to learn that you can still be denied, based on a plethora of other excuses that the bank comes up with to keep you from touching your funds so that they may more easily use it for their own purposes.If you were not aware of the cash advance industry student loan calculator for short term loans, and you have savings, you are in a great position to stretch your financial position to make your savings more flexible. Financial businesses that specialize in short term loans are not concerned with your credit or other factors ? just the fact that you were responsible enough to save money and put it away is enough. You should be able to use it and stretch it as you see fit.I was one of the people denied the use of my own money with large financial institutions, and I did not think I should have to empty out my savings account just to pay a few unexpected emergency expenses.Like me, with a cash advance loan secured by your savings, you can break up lump sum payments into monthly installments.