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One crucial point which every borrower must remember about the emergency payday loan is that they are only extended for a short duration of a week or two and are available without any credit verification or placement of security. Hence, these loans come at a much higher rate of interest in comparison to the traditional, secured loans. The borrower must be prepared to pay back the loan amount at a pre-determined date, which is usually the date of the next payday for the borrower. The repayment can be done by simply placing a post dated cheque with the lender at the time of loan approval, further adding convenience to the entire transaction.. utah refinance mortgage loans nilli loan loans officer assestant student loan unconsolidation loan officer survival