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Sometimes, even if you have a bad credit rating, you can still apply for a short-term loan, such as the loan. This is because the loan lenders will not check your credit rating. A payday loan is meant to assist those who need fast money in between their paychecks. The payday loan ranges, on average, anywhere from $100-$1000. Once your application is accepted, you will receive the payday loan in your checking account usually within 24 hours. Repayment for the payday loan is expected on your following paycheck; generally up to 30 days after the loan has been received. It is important that you pay off this loan promptly, and not let it sit there. Like any loan, the longer it takes for you to pay it off, the higher the interest will continue to grow.