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Jan 4, 2014 No early payment fee: Pay your loan off early without a penalty. Available in states where payday loans are illegal: Borrowers in states like New York can still apply for a Lending Club loan. Borrow up to $35,000: Lending Club offers loans from $1,000-$35,000. Fast loans: Receive cash in six business days.

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For example, some credit unions offer payday loans with lower fees. Borrow Only What You Can Afford To Pay Back Borrow only as much as you can afford to repay with your next paycheck. Avoid Borrowing from More Than One Lender Avoid borrowing from more than one lender at a time. Know When Your Payment Is