You then had 12 months to pay off your debt, which their web site said would price you $one hundred fifty.72 a month — or more, for those who had very bad credit. Payday loans can get quite expensive, and the easiest way to avoid spending cash on fees is to not borrow in the first place. Luckily, Cashback Loans close to me is open from 7:30 am until 9 pm, so I can money checks before or after work.