Why do most people choose to take out payday loans? It’s to get some extra cash to help get them to their next payday in most cases. In many instances, a payday loan helps with an emergency. Times when people are most likely to get a Payday loan include: The car breaks down, and you … Continue reading 3 Great Tips to Help You Pay off Payday Loans I understand you're looking to pay it off quickly but maybe that should not be your priority ! Maybe he should simply ask the provider in question whether they would agree to a repayment plan, as far as I am aware the vast majority of them are nowadays prepared to do that. You would have to get cash from the credit card. Call your credit card company if you're not sure what to do to get cash with it. Payday Loan won't take the payment with a credit card. I have taken an payday loan, as required it in an emergency, if I pay it back within 7 days I can i can get it interest free. I just wondered, I have a 0% credit card. can you pay a payday loan with a credit card or does it have to be a debit card?