Payday loans are unsecured short term loans. There is no collateral or security. There is no credit check in most cases. Even if some lenders conduct a credit check, it usually does not weigh on the decision of whether or not to lend you any money. The credit check may influence the loan amount and the rate of interest. In some cases, it may influence the exact terms of repayment. Most lenders have standard practices and they don’t change the terms very often. You are likely to get a standard set of terms for payday loans from lenders through Sure Money.
As is the case with other types of unsecured short term loans, there is little room for negotiation. Without any credit check in place and in the absence of collateral, borrowers are not really in a position of strength to negotiate the terms. This does not mean there is no way you can negotiate any of the terms. The rate of interest is almost always beyond negotiation. The repayment term is another matter. Some lenders will allow borrowers to choose a convenient repayment term, provided they have a policy of being flexible with it. Some lenders will also allow borrowers to choose a loan amount. This is especially when applicants have provable income that is more than sufficient for a chosen loan amount. Otherwise, the loan amount is also beyond negotiation.
The terms of service and the penalties or late payment fines are usually not up for negotiation. You may form an opinion that payday loans are a tad stringent but this it is the same for all types of unsecured short term loans. Even secured short term loans don’t have much you can negotiate. You can choose some terms if there are options but borrowers cannot dictate propositions based on their preference.