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That is when the pay-day loan can become a real lifesaver! That The Pay-Day Loan Works Payday cash advances are little, short term loans offered by lenders who charge a set, once fee. The loans granted are generally around $500 -$1,500. Unlike regular long lasting credit loans, the length of the unsecured guarantor loan is short - sometimes till the next pay day, or around 1 month - thoughsome lending firms are much more flexible on this, according to their lending policy.