Again, this varies from state to state. Some states cap the maximum loan amount at $500 or even less. But, in more than half of the states you can get a payday loan from $100 to $1,000. The larger the loan you request the larger your income will likely have to earn since lenders use your income as a criterion for the size of the loan they may offer. Always ask a prospective lender how much you can receive and any other questions you may have. Be sure you understand, and agree to, any terms and conditions of a proposed loan. Remember, you are never obligated to accept a loan offer.