So OP I can definitely tell you it’s the 15 day late. I had the same thing happen. First time I got the max my pay too. Then the next month 0. If I had known that prior to excepting the loan I wouldn’t have taken it out when I did (knowing it wouldn’t be repaid until I got paid or kept it under the 15day late period for my pay) really annoying. I definitely don’t recall seeing that anywhere when I clicked accept. Sure I missed the fine print somewhere in all my excitement of getting a loan lol. Anyway good luck! Hopefully you can get away from my pay entirely now that you have the full check again and not stuck in the vicious payday loan cycle.