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Is Quick Approval Possible With Payday Loans? [link widoczny dla zalogowanych] Remember, however, that just because you fall into one of the above situations it doesnt mean that you should always take out a payday loan. Only take out the loan if you can pay it back with your next paycheck – nothing is worse then needing a new payday loan to pay off the old one, or even paying off the old payday loan to only then need to take out another a few days later. If you have any questions at all about whether a payday loan is right for you, contact us and we will be more than happy to help. Make sure you know the consequences of paying late. When accepting a loan, you usually plan to pay it on time, until something else happens. Read any fine print on the contract for your payday loan to learn about their late fees. The penalty associated with a payday loan is rather steep.