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The last thing you want to do is be irresponsible with payday loans. Even in times of need for emergency funds, make sure you repay the loan quickly to avoid problems. However, if you do delay, or potentially default on repayment, you could face serious issues.
By law lenders can only file a collection against your unpaid amounts. Since a cash advance usually comes as a signature loan with no collateral involved, you don't have to worry about a lender seizing any of your assets against the loan. However, ending up in the collection cycle can hurt you in the long-term. You'll end up having negative notations added to your credit report that will dramatically lower your credit score. Even if you pay off the collection, that information remains for years.
This can do damage well after you are beyond the repayment, including causing difficulties with acquiring credit, personal loans, business loans, car loans, home mortgages and other types of financing. You could even be entered into the ChexSystem database. If you end up in ChexSystem, you could be denied opening a bank account for several years. That's why it's best to use cash loans sparingly and pay them promptly.