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You'll be able to apply online in as little as 5 minutes and obtain an prompt decision about your utility 24 hours a day, seven days every week. You possibly can borrow as little as $one hundred with a payday loan, which means you may borrow as much as you could have to cover a specific bill. Different restrictions might range by lender — so check with yours to ensure you aren't violating your mortgage contract if you spend your loan.