You might think that you are going to avail of the loan cash payday loan and enjoy yourself. Do remember that you will not be smiling for very long. There is a very big chance that you will not be able to repay the amount you have taken and hence face a lot of problems. You will also find that the penalty that you have to pay on non-repayment of the  loan cash payday loan  can be very high, leading you to financial crisis after crisis. It would be good therefore to know how the charges are levied before you opt for such loans.