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How long do I have to pay back a payday loan. A payday loan is usually due on the date you receive your first paycheck after taking out the loan. However, some lenders require that loans be repaid within 14 days, even if you get paid only once a month. Other lenders may allow you up to 35 days to repay the loan. What happens if I can't pay back a payday loan. If you can't pay back a payday loan, the lender might automatically withdraw the funds from your bank account.
If there is insufficient money in your account to cover the charge, this could trigger bank fees.