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Costs increase with rollovers. If you can’t repay the loan when it’s due, many lenders will let you extend the due date for another two or four weeks — but you have to pay the fee that's due, plus a new fee to extend the due date. It's called a “rollover.” Each time you roll over the loan, the lender will charge you a new fee and you'll still owe the entire original loan amount. With rollovers, the cost of the loan goes up very quickly.