Payday Loan Service Fees The quantity charged for a payday loan is the full quantity borrowed, plus a service fee. Debtors with good credit (a score of 690 or greater) can take into account online lenders, most of which do not specifically cater to veterans, however might provide the best choice. When you get authorised for our a web-based payday mortgage, the lender will wire the loan on to your bank account within one or two enterprise day.