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Payday Loans Pennsylvania Best Payday loan Then the pay-day loan becomes a genuine lifesaver! How A Pay-Day Loan Works Payday cash loans are little, short term installment loans furnished by lenders who charge a set, once fee. The loans granted are usually around $500 -$1,500. Unlike regular long-term credit loans, the duration of the pay day loan is short - sometimes till your following pay check, or around 30 days - thoughsome lending firms are much more flexible about this, according to their lending policy.