Call centers experience their heaviest volume of the year between Thanksgiving and the second week of January. Payday loans are flying out the door as consumers turn to lenders for their holiday shopping cash. Once the presents are open, consumers apply for payday cash advances again to get them through the first couple weeks of the year. Lenders’ loan caps are in place throughout the year, however, it can be a rare occasion to reach them. It’s a different story during the holiday rush when lenders can hit these caps by 2:00 pm every day.