We had a great time visiting Payne Lake this weekend! We stayed at a primitive campsite with a beautiful view of the lake.
My biggest advice is to bring. your. own. firewood. As far as we could tell, there was nowhere at the campground to purchase bundles of firewood, and even the local grocery stores/gas stations weren't stocked with any either. We spent quite a bit of time using a hatchet to cut up down trees to fuel our firepit.
The campground is organized well and we were able to have our pick of campsites (mainly due to the fact that it was 30 degrees the whole weekend). The primitive campsites all had picnic tables and fire pits. Our group also uses hammocks and there were plenty of trees near enough together for hammock hanging.
When we got to the campground, the check in area is quite simple. There is a box with envelopes/forms to fill out that ask for your payment (in cash!), car information, and site number. Once you fill out your information, you simply drive and park at your campsite. As far as we could tell, each site had ample room for parking 2 cars within 15 feet or so. We paid $6 a night for the site, as well as an extra $3 fee/day because of a third car.
The area is quiet and peaceful, and the lake is a beautiful spot to catch the sunrise. On the East Side of the lake, we got a large amount of late afternoon sun, but minimal sunshine until later in the morning. The West Side saw a lot of sun early in the morning.
We got the chance to meet the Camp Host, who was very gracious and also introduced us to his dog, Reecie. He even offered to take our trash out for us!
We took a walk around the entire campground, and it is clear that the West Side of the lake sees more visitors and is generally kept up with more. The blue hiking trail on the East side required quite a bit of bushwhacking and didn't seem to have much upkeep at all. On our hike, we ended up walking the roads of the campsite and seeing the whole grounds.