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Rothenhoefer thinks it's a "sweet deal." He concedes the strategy could backfire if both he and his wife were to die before they recoup their investment, which will take about ten and a half years. Still, he says, "it's worth the gamble," particularly because his wife stands a good chance of living into her nineties, as her mother and grandmother did. Payday loans have many advantages of other financial lending due to their quick turnaround. As long as you are 18 years of age, have a bank account and a source of income, you qualify to apply for a payday loan up to $1000. Remember, a payday loan is a real loan. It is important to make sure that any loan that you take out is repaid in a timely manner in order to remain in good standing with your lender. People might ignore the calls of lenders who somehow try to support during the time of financial distress, providing instant money. There are many negative feedbacks regarding such loans, but probably you might know that such payday loans fall under strict legislation. Online loans not offered against high annual percentage or APR. However, APR keeps on varying from state to state. Therefore, you may find that the interest rate charged in your state varies from the neighboring state.