It's relatively easy to enroll and apply for a payday loan when you need money now. The ease is boosted by the lender's willingness to lend. However, failure to repay at the appointed time will make the loan expensive. Most direct payday loan lenders will give an allowance of rolling over the payment to the next period. This means that you will only pay the fee (interest charge) while the outstanding amount (principal fee) remains. This may continue until you clear the debt.