Lots of people have money withheld from their paycheck for their taxes; the problem with this is, that people usually have larger sums of money withheld than they actually owe the IRS. Use the tax withholding calculator on the IRS website to find out exactly how much you need to have withheld, and ask human resources to pay you the rest. Most communities have local organizations that help people in trouble with their hardship programs too. Find out at your church or the local Salvation Army if they have such a program. This may help you avoid having to obtain a Payday Loan