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If you follow your payment schedule, the loan is paid back within a short time. If you are unable to pay it back as signed in your contract, then the company usually has a rollover or extension to give you.
If you have a bank account, you can have it transferred there quite quickly as well. Online lenders usually have what you need to get you what you want quite easily. Sometimes the customer service can be even better than what you might receive at a store front.