I use the shit out of my direct deposit advances from USbank, 10% interest.. so basically, I'm livin $500 ahead of the game, but I'm payin $50 every month to do it... I get letters every month sayin "We want you to know that checking account advance is intended for use on a short-term basis. We see that you've used it for X months straight now. If you use it for X more months in a row, we will be forced to block your use of it."
I'm still usin the fuck out of it until tax time tho... lol