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If you want to get a payday loan so that you can use your paycheck early and you do not have a lot of time to wait in line at the bank or at a credit union, you may want to apply for some payday loans online. Based on the amount of money that you make as well as your credit history, you may be able to use ten to twenty percent of your paycheck a week or two early. If you use a payday loan, the bank will give you a small amount of money that you pay from your paycheck two weeks later.