Do you need money to pay for your seasonal expenses? Please ignore those payday loan offers that are actually there to "help you..." but to fall into debt. According to The Guardian Source:Log In But the true fact is that if taking out payday loans is a bad idea any time of the year, get one in December or January is even worst. First off, don't take for granted that you will be able to borrow as much money as they say, because each state in America has regulations in payday loans including the maximum amount that you can borrow, and only a few $500 or more. In fact only 37 states allow lenders to offer payday loans, in all other states are either illegal, not allowed, or banned like in Georgia. We all know that December and January often bring extra expenses, but think of other financial solutions to fuel up your wallet.