When creating a New Loan, a "Pay Immediately" checkbox (checked by
default) processes the loan right away — creates PayrollRecord, sends
payslip to Spark, and records the loan as paid. Unchecking it keeps
the old behavior where the loan sits in Pending Payments.
Also adds loan-only payslip detection (like advance-only) across all
payslip views: email template, PDF template, and browser detail page
show a clean "Loan Payslip" layout instead of "0 days worked".
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
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