Some states let you roll your payday loan over to the next month if you can't pay it off by its original due date. While the extension may bring some relief, it will also bring more fees and potentially create a cycle of debt that’s hard to break. Even if you roll over your loan, you must pay its original fees by the due date. Your lender will give you another 2 – 4 weeks to pay off the loan plus its newly added fees (which may include a rollover fee).The majority of payday loan borrowers end up rolling over their loan multiple times, accruing fees with each rollover and adding more debt to what they originally borrowed. Unless you’re confident you can pay the loan back by its due date, you may fall into a debt trap with a payday loan. If you’re uncertain about your ability to repay a payday loan on time, a personal loan may be a better option for your financial situation.