Decide how much money you need to borrow. Payday loans are extremely expensive. Don't borrow more than you need.
Go to a payday lender. There are hundreds of them online. Depending on where you live, there may be one down the street from you. Some states have banned payday loans.
Tell the lender how much you need to borrow and for how long.
Ask how much extra you will have to pay. The fee (interest), along with how long you want to borrow the money for, can be the equivalent of an extremely high APR (Annual Percentage Rate). Some lenders charge the equivalent of 1000 percent APR. Rates usually start at 390 percent APR. In contrast, an average bank loan will cost around 8 percent APR.
Write out a check for the amount you want to borrow plus the fee. Give it to the lender.
Repay the loan as soon as you can. If you don't come back with the money, the lender will cash your check.