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You will set up this timetable with your lender, and they will cash your check after you get your next paycheck. Best Payday Loans Companies. The Top Ten. Great direct lender. Have flexible payback dates and offer payment plans if you get overwhelmed. Easy application process and decent customer service. The best vendor company all over United States. Have always came through when I needed to get quick cash. Instant approval and the money is deposited the next business day.