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Then the pay-day loan may become a genuine lifesaver! How A Pay-Day Loan Works Payday loan are little, short term loans furnished by lenders who charge a designated, one time fee. The loans granted are often around $500 -$1,500. Unlike regular lasting credit loans, the duration of the payday cash advance is short - sometimes till your next pay check, or around 30 days - thoughsome lending firms are much more flexible on this, depending on their lending policy.