In nearly all the research the glaring end result was that the payday advances had been draining the money from low-revenue families. The ability to repay the debt have to be a part of the monetary planning course of to keep away from future issues. Lengthy Term Payday loans - Long term payday money advances are 1st position money advances that vary from 12-21 months, or 2nd place money advances that vary between 9-18 months.