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If for some reason your loan request doesnât result in your being approved, feel free to submit another request later. There is no waiting period to do this, and you can actually submit loan requests as often as you would like to, always without any cost to you. What Are Payday Loans? But, many have pointed out the pointlessness of this with a payday loan. APR stands for 'annual percentage rate'. Put simply, it's the rate you pay on what you've borrowed over a year, including all interest and charges.