You usually get 30 days, but some title loan lenders might offer you a number of months to repay the full so long as you make common payments. You are cannot payday loan in New York, however there are other options. The truth is, the CFPB found that 20% of payday debtors default on their loans, and greater than 80% of payday loans taken out by borrowers had been rolled over or reborrowed inside 30 days.