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But no matter whether or not documentation is required, you can have the money the same day if the approval is granted before a specific time of day or it will be in your account the next day. This is why payday loans online are preferred by most people looking for a way to acquire cash fast when they are in a bind. - Ronald D. Money Mutual Installment Loans If you do not pay your loan according to its terms, your lender may: charge you late fees, send your account to a collection agency, report your information to a consumer reporting agency which may negatively affect your credit score, offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest. We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. 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