Payday loans are easily obtained and very helpful when you need cash in a hurry. The repayment comes out of your checking account on the next payday, which is very convenient. If you find yourself tight on cash on your next paycheck, then you can get an extension.
If you know in advance that you will not be able to pay it back this payday, it is possible to ask for an extension. The worst thing you could do would be to simply do nothing.
An extension needs to be filed by notifying us within a few days of the date the payment in full is due. At this point Payday loans will need to know when your next payday is coming and will expect payment at that time. There might be a little bit of interest in the payment extension, but it does look better on your credit score, rather than being late and damaging your credit score.