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With a payday loan, a borrower gets a small loan that becomes due within 7 to 35 days. First-time applicants can typically borrow 200-600. With each successful loan payoff, the amount you are eligible to borrow increases, and it usually tops out at about 1,000, depending on your salary. You need to have regular income to qualify for a payday loan, cash for you online loan you also need to have a working phone number. Most lenders also require you to have an active checking account, but some will lend you money if you have just a savings account.

In many cases, you can qualify for a payday loan even if you have poor credit, and many lenders issue loans without running credit checks on borrowers. How long do I have to pay back a payday loan. A payday loan is usually due on the date you receive your first paycheck after taking out the loan.

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