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If the chances are that you can not repay the loan within the agreed period, we will extend the loan. With direct lender payday loans you can usually have money in your account within one hour, maybe even sooner. The amount you can borrow varies. Usually, the first loan ranges from $ 100 – $ 700. Subsequent loans, once you have paid your first loan can range from $ 700 – $ 1000. Most lenders charge between $ 15 and $ 30 for every $ 100 you borrow. This means that the repayment of a loan of $ 400 can be between $ 460 and $ 520. If your credit is not as perfect as it was, you may want to consider a payday loan rather than going around all your banks and begging loan officers in your area.