National Payday Loan Relief

We Help On Consolidating Your Payday Loan

We understand your situation is unique, that’s why we are diligent & thorough to ensure we deliver nothing less than a promise of excellence to you!

For your FREE QUOTE fill out the form below!

A promise of Excellence! We understand your situation is unique. We are diligent and thorough to ensure we deliver nothing less than Excellence!

For your FREE QUOTE fill out the form below!

What is a Payday Loan?

Available in nearly every state in the United States, a payday loan is a short-term loan given as an advance on your future pay. In many situations, they are approved with the applicant only having fulfilled a few requirements, such as proof of employment and income, and a checking account. The loaned funds can often be deposited directly to the customer’s account or given to them in cash upon approval.

The catch comes with the loan specifics such as the interest rate, compounding frequency, and the payment schedule. The extremely high interest rates, for example, are often many times greater than even the most high-interest credit cards. Many credit cards have interest rates of 25%, 28%, and in some cases, even as much as 35%. A payday loan, however, can have interest rates of 400% or higher.

In addition, payday loans typically have a short repayment period, making it nearly impossible to find additional cash to repay the loan in time. Because of this, many people end up having to repay the loan and take out a new loan just to stay afloat.

Why Are Payday Loans So Dangerous?

The biggest danger with payday loans is that they almost always make the borrower’s financial situation worse. They are so dangerous, in fact, that in many locations around the country payday loans are categorized as ‘predatory lending’ programs. They are literally designed to prey on those in need, and they take advantage of that vulnerability to trap people in vicious cycles of interest, fees, and defaults.

Additionally, many payday loan providers require debit access to the borrower’s checking account in order to take their money even in the event of a default. They frequently do this by requiring a check or ACH authorization as one of the terms for loan approval.

With high interest rates of approximately 400%, often calculated on a daily basis, being late by even a single day on a payment can start an incredibly dangerous late fee cycle. Cash-poor borrowers are then pushed into an even worse financial situation by trying to stay above water on the loan they took to cover emergency needs.

Payday Loan Debt Relief Company


How Payday Loans Entice Those in Need

First of all, you must remember that payday loans are predatory, so they absolutely know what they are doing when they make their initial lending offer to you.

They will wear a kind, sympathetic mask as they tell you that everybody needs a little extra cash here and there to get by. While you are filling out the paperwork they will continue to tell you that this will be quick and easy, maybe they even highlight their ‘convenient’ or ‘automatic’ payment methods to make your future ordeal seem a little easier to swallow.

Once you have filled out the application, they have your proof of employment and bank info, the payday loan lenders will usually offer you immediate funding. If you need a quick $500, but they approve you for up to $1,200 you can be assured that they will try to talk you into another hundred or two more than you came in for.

They may even say things like “you never know what else may come up”, or “be sure that’s all you need, you can only take one loan out with us at a time”. They do this all, knowing exactly how much you’ll be trapped into paying on your initial amount. They make more money by putting you in a worse predicament. They’re predatory, remember? You are the prey.

Advantages And Disadvantages of Payday Loans

There are some significant risks associated with taking out a payday loan, but there are some potential upsides. In some rare situations, they may be the best way to obtain several hundred dollars when needed, but they should still be weighed and measured extensively before committing.

If a payday loan is absolutely necessary, the first thing to remember is to only borrow what you need to get out of the situation you are in. Don’t let them talk you into more money if you aren’t in dire need of it.

If at all possible, only borrow as much as you can comfortably pay back in a single pay cycle without putting yourself in a bind. This way, you can avoid as much of that predatory interest by not letting the loan stay outstanding longer than needed.

Payday Loan Disadvantages

  • Exorbitant & abusive interest rates that are the absolute maximum legally allowed in most cases
  • Completing one successfully will have no improvement on your credit report
  • High potential of being caught in an ongoing cycle of loans

Payday Loan Advantages

  • Nearly universal approval, provided you meet a few basic requirements
  • Relatively high loan amounts approved
  • Can provide significant emergency cash, often with a same-day timeframe

Payday Loan Disadvantages

Extreme Interest Rates
Potential Cycle Of Loans
High Acceptance Rates
They Don’t Help Build Credit


Payday Loan Advantages

High Likelihood Of Approval
Adjustable Amounts
Dependable Supplement to Income
Emergency Cash

What Is Payday Loan Consolidation?

Payday loan consolidation is a very similar process to other debt consolidation programs. Rather than paying multiple high-interest loans, you pay them off with funding loaned to you at a lower interest rate. While you are technically borrowing again, you are doing it at a far more manageable interest rate.

If you have several payday loans that are all charging you ridiculous amounts of interest and fees, they can often all be combined or rolled into one consolidation loan. This can drastically reduce not only the total amount you pay for each loan but also your monthly payment, making it easier to stay current.

By consolidating your loans with the objective of payday loan relief, you will reduce not only the amount you owe overall, but you will also reduce the amount you pay in interest over time. With the lower monthly payment, you may also be able to catch up more quickly and stay on top of your financial obligations going forward.

How Payday Loan Consolidation Works

Making the first step toward a healthier financial situation is as easy as reaching out for a free consultation. This initial conversation will be relatively quick and painless, and it will mostly consist of getting an overall idea of what your current needs are. To do this, the experts at National Payday Loan Relief will gather information from you regarding your debt, what you owe and to whom, and some general income information.

By learning about your debt and income, they will be able to go over some options for how to consolidate and pay off your payday loans. If we are able to work with your payday lenders, and you determine you would like to work with us, you can then enroll in our payday loan debt relief program.

Once you’re enrolled, we will work directly with your lenders to negotiate a satisfactory debt settlement. These consolidation arrangements will result in a far more affordable monthly payment that will allow you to pay your loans off cheaper and quicker than any other way.

The Benefits Of Payday Loan Debt Consolidation

Payday Loan Consolidation & Consolidating all your payday loans can turn out to be a much needed relief to ease your monthly payments. If you are overwhelmed with high monthly payments then the benefits of Consolidating Payday Loans is that we can combine all your payday loans into one easy and flexible monthly payment while reducing the accumulated  interest rates. Also consolidating your payday loans will prevent the lenders from touching your bank account, no one likes when others touch your money, so why let the lenders do? prevent them by consolidating your payday loan debt which will stop all the harassing calls as well as give you peace of mind.

Real Payday Loan Relief. Keep in mind that when you Consolidate Payday Loans, you are dedicated to finally get out of debt and you must sacrifice a year financially to finally start fresh once again. It’s time to gain back control of your finances and remember to save money. 

When you consolidate these types of loans, you can:

  • Stop creditor phone call harassment
  • Stop automatic payment debits
  • Stop potential overdraft fees from automatic payment debits
  • Reduce the total amount you owe
  • Lower your monthly payment to get a little breathing room
  • Obtain financial counseling and education from expert credit counselors
  • Begin to rehabilitate your credit, so that personal loans may be an option in the future, and you never have to turn to payday loans again

Save Hundreds



  1. Reduce the total amount you owe.
  2. Make a low monthly payment.
  3. Stop the automatic debits.
  4. Avoid bankruptcy and law suits.
  5. Improve your credit.
  6. Get expert credit counseling help.

Is Payday Loan Consolidation Program Right For You?

If you have several payday loans that are all charging you ridiculous amounts of interest and fees, they can often all be combined or rolled into one consolidation loan. This can drastically reduce not only the total amount you pay for each loan but also your monthly payment, making it easier to stay current.

By consolidating your loans with the objective of payday loan relief, you will reduce not only the amount you owe overall, but you will also reduce the amount you pay in interest over time. With the lower monthly payment, you may also be able to catch up more quickly and stay on top of your financial obligations going forward.

How Consolidating Your Payday Loans Can Help

Managing multiple payday loans, or trying to stay afloat while stuck in an ongoing cycle of payday loans, can be incredibly costly. Costing you not only money, but time, stress, and anxiety. Knowing that the next phone call could be another lender or collector, or worse, can be devastating to mental health.

Then there are, of course, the monetary costs. The ongoing expense of being locked into a cycle of interest payments and superfluous fees can end up costing you five to ten times what you initially borrowed. The repeated automatic debits or ACH payments can put your entire paycheck in jeopardy if it is directly deposited.

When you work with National Payday Loan Relief you can finally take a breath and decompress. You won’t have to worry about tracking several payments and loan arrangements from lenders, your new monthly payment will be simple and affordable. Along with a lower monthly payment for your repayment plan comes a far lower stress level.

Not having to constantly worry about your outstanding payday loans and multiple monthly payments can drastically improve your mental health. With more financial breathing room and a more optimistic outlook, you can even speak with us about your financial situation and how to improve it overall. Including working toward being entirely debt-free.


Billie J Waters – ND

Payday Loan Balance Before
Joining Program: $1,227.45
Old Monthly Payment: $204.50
New Monthly Payment: $103.27
Program Term: 6 months
Total Program Cost: $619.60
Projected Cost Without Program: $1,227.45
Amount Saved: $607.85

Gary Scherer – ND

Payday Loan Balance Before
Joining Program: $1,925.28

Old Monthly Payment: $481.32
New Monthly Payment: $156.25
Program Term: 4 months
Total Program Cost: $625
Projected Cost Without Program: $1,925.28
Amount Saved: $1,300.28

National Payday Loan Relief specializes in Payday Loan Relief and Debt Settlement

Why Choose us?

We understand that this may be a very confusing and frustrating time. Our company will hold your hand throughout the entire process. You can finally rest your head at night knowing that you are working with a company that specializes in eliminating and settling UNSECURED DEBT.

Getting In Touch With Someone Who Cares

Being in debt to the payday lender can be a very isolating experience. Those who are dealing with this may feel that they are all alone in their struggle. Worse yet, they may feel foolish for ever having borrowed from that lender in the first place. It may make them feel like there is no one out there who can understand. What they need to realize is that payday loan help is out there and resources are available to them.

Many others have faced similar problems when it comes to payday lenders in the past. It has become such an issue in fact that many now that these help services have sprung up all over the place. It is nice that they exist because it means that many more people can get the assistance and answers that they need.

Is Payday Loan Relief Legal In Your State?

In the vast majority of states, payday loans are legal. There are only a small number of states that completely prohibit them. These locations generally have legislation in place that disallows interest rates as high as payday lenders typically charge.

States that do allow short-term consumer loans often regulate them to an extent, this is not usually enough to keep them from being dangerous. While this means that those in states that allow payday loans are at far greater risk of getting caught by one or more of them, this also means that there is also help available in those states.

Getting Help With Payday Loan Debt Consolidation

There is cycle that many payday loan borrowers go through. It is a cycle out of which many find it very difficult to escape. The cycle is one where they are constantly borrowing more payday loans in order to pay off the ones that they already have outstanding. Of course, this just puts them farther into payday loan debt & Credit Card Debt as they end up having the same financial troubles that they had before in the first place. It makes the mountain that much harder to climb.

A lot of people look at that mountain and see no way to get past it. Some take the action to declare bankruptcy in court. This might seem like a solution to them at the time, but of course this is just a Band-Aid on the problem. Bankruptcy ruins a person’s credit for a long time to come, and that in turn makes it a lot harder to get some of the things in life that we all need from time to time. Sadly, some people get into such a desperate state of mind that they even take their own lives. That is how potential dangerous borrowing money like this can be.

Instead of going down any of those paths, it is best to look at payday loan relief and payday consolidation programs that are available in your area. These types of programs may help you achieve what you thought was impossible and actually put these payday loans to rest once and for all.

Watch How Payday Loan Relief Works

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Finding Relief with Payday Loan Consolidation

Consolidate Your Payday Loans

  • Consolidation is more effective than bankruptcy and is completed far quicker
  • Working with a payday loan relief company may sound overwhelming, but it’s much easier than staying stuck in the payday loan cycle
  • With consolidation, you can also get supplemental financial education to help you work towards financial freedom and freedom from debt

Only you have the power to stop the cycle of payday loan debt. Resolve to make a change today.

Our Payday Loan Consolidation Features

National Payday Loan Relief is one of the most trusted payday loan consolidation companies and has helped thousands of individuals break free from the shackles of their payday loan debt. The services we provide include:

  • Reduced monthly payments
  • A Single monthly loan payment to cover all of your payday loans or other short-term loans
  • Paying less in interest fees, due to a dramatically reduced rate
  • Stop the multiplying late fees, service fees, and more
  • Eliminating the constant phone calls from the lenders
  • Deal with one company instead of several
  • Optional legal help

Our Payday Loan Consolidation Strategy

There are millions of people who are struggling to make ends meet out there. The reality remains that many of us do not know how we will ever get to a point where we are able to pay all of the bills that we have and also do some of the other things that we want to do in life.

For far too many Americans the reality is that they must choose between paying certain bills or paying other bills. The stress is enormous and a lot of people work many hours per week just to end up with nothing to show for it. This is why sometimes those people turn to payday loan lenders. Our strategic Payday Loan Relief programs are designed to settle all of your debt. Time is the matter here. Don’t waste your time thinking about what to do. Give us a call to learn more about our programs.

 Debt Settlement Loan

Payday loan debt settlement is the process in which our skilled attorneys will negotiate the total debt of the lender, remove interest rates & schedule fixed payments to pay back your debt as soon as possible.

Keep in mind that you need to be ready to provide a big chuck of change each month to be able to pay back your debt. It’s very important to understand to avoid default at all times!

 Bankruptcy Certificates

Chapter 7 – When filing for Chapter 7 bankruptcy, the payday loan must be listed on the bankruptcy petition as unsecured debt since in Chapter 7, all unsecured debt is dischargeable.

Chapter 13 – Payday loans will be treated as any other unsecured debt and may be included in the repayment plan, which will allow the debtor to repay creditors over a short period of time from your future income.

 Financial Debt Management

Providing debt management is a critical topic we always go over with our clients, we want to make sure that each individual understands how our relief program works so we can guide them to the right path of how to manage their debts & finances. 

Financial Debt Management is implemented in our Payday Loan Relief Program to all of our clients

 Financial Credit Counseling
As a debt settlement company, we feel obligated, as our duty, to inform & educate our customers how to avoiding the same mistake twice. We provide financial debt & credit counseling to anyone who wants to learn and better themselves every day.

Financial Credit Counseling will give you an idea how to better your finances as well how to better your Credit Score in future spendings 

Work With the Top Payday Loan Debt Consolidation Company

There are a lot of companies out there that claim to be able to help get you some degree of relief from your payday loan debt. There are so many that choosing one can feel a bit daunting, but there are some criteria and factors that can be considered to help narrow down the possibilities. 

Choosing The Right Debt Consolidation Company

Working with the right debt consolidation company for your situation can be vital to successfully manage and clear your debt. If the company is inexperienced, they may not produce the results you need, if they don’t have sufficiently trained customer service agents, they may be a pain to deal with, and so on.

Since picking the wrong company can mean a worse situation than when you started, it’s important to take some things into consideration.


How To Choose A Debt Consolidation Company For Payday Loan Relief


Be sure that you know as much as possible about loan relief. Even though you’re looking for a debt consolidation company, you should know the processes and details so that you’re as informed as possible. Be sure you read other client experiences and online reviews so that you see the good and the bad.

Understand Your Strengths

Know your income details, as well as your expenses and bills, so you know what a comfortable monthly payment will look like. If you make significantly more than your debt payments, then you may not need consolidation, you may simply need to undergo some financial education to enable better debt management

Identify Your Weaknesses

Just as you should know your strengths, be honest about your weaknesses. If you have a problem with managing your own debt or if the debt is significant enough to make management impractical or impossible for you, debt consolidation is probably the ideal solution. On the other hand, if you just have exceptionally poor money management skills, some financial counseling could be all you need.

Set Realistic Goals

When you are determining the details of the repayment terms, make sure you are realistic with your repayment capabilities. Don’t give yourself an unrealistic time frame for your consolidation loan, or you won’t be able to meet that obligation.

Customer Service

Undoubtedly one of the most important things for any company to excel in is the manner in which they treat you and address your needs and concerns. Asking for help with debt can be a challenge, and payday loan borrowers can find this particularly difficult, so they should always treat you with respect.

They should have a solid track record of providing people with the information they need to make educated decisions. The ideal company will also have built a reputation of integrity with clients, and the certified counselors they staff should be able to accurately teach you how to make good financial choices.

Financial Transparency

When you discuss your debts and financial information during your consultation, you should be able to discuss their fees and charges without issue. The transparency of a consolidation company can tell you a lot about how you can expect them to operate once you work with them. The fees should be plainly explained and readily available in a formal fee schedule.

Time-Tested Trustworthiness

The company you choose should have a relatively significant history of conducting its business in a trustworthy manner. Look for companies that have been in continual operation for at least a decade, and that have publicly available information on executives. They should also have several published means of contacting them, should you need to use other channels.

Financial Education Services

The top-tier consolidation companies will offer some form of financial education. Even though they generate their revenue from helping create payday loan relief, they go the extra mile in trying to break the cycle of payday loan use. By offering robust financial education for their clients, they create a more financially literate consumer who is in a better financial situation in general.

Make An Informed Decision

Be sure that you are only making your final decision or determination based on solid information. Don’t let advertising or slick promises lure you into a poor choice. The company you choose should make you feel comfortable with asking them for help and should address your needs, answer your questions, and help you put yourself in a better position financially.

Alternatives To Payday Loan Consolidation

In many cases, there are no viable alternatives to payday loan consolidation, when compared on equal footing. Bankruptcy is the option most considered, but it is not a good alternative for many. Most payday loan victims have less than $10,000 in total payday loan debt, which is often far easier to consolidate and pay off than to declare in bankruptcy court.

With a consolidation loan and a comfortable repayment plan, many people can be free of their payday loan debt in less than a year. In some extreme cases, the repayment may take more than a year, but once it’s paid it’s gone. If the bankruptcy is accepted by the judge and finalized, it can devastate your credit for at least 7 years.

Take Back Your Financial Stability

Millions of Americans live with the constant anxiety of financial instability. Payday loan debt is merely a very dangerous symptom of this, and by helping to treat the root cause, you can begin to build a stable foundation of responsible financial habits that can last a lifetime. The counselors at National Payday Loan Relief can provide invaluable financial education.

This financial education will often be tailored to your needs and can include several subjects. If money management is your challenge, you may benefit from some level of budgeting help. If you have a lot of other debt, such as high-interest credit card debt, student loans, and more, you may benefit from debt management or financial independence information.

Eliminate Financial Stress with Payday Loan Debt Relief

Living your day-to-day life with constant payday loan debt can prevent you from fully enjoying your leisure time. It can greatly affect your mental health and place unbelievable stress and strain on the entire family. The constant worry and anxiety can be almost too much to bear sometimes, and for many it is.

We want you to be able to live your life as stress-free as you can. By helping you manage your payday loan debt, a consolidation loan from National Payday Loan Relief can mitigate a large part of that stress, and help you restore some relaxation and enjoyment to your life.

Reach Out Today for A Free And Confidential Payday Loan Relief Quote

If you or someone you know is struggling with payday loan debt or other debt due to short-term loans, debt consolidation may be a great option to get back above water. Call or email National Payday Loan Relief today for a fast & easy free consultation.


Living life with payday loan debt can feel like you are drowning with the constant thought about debt collectors calling you and fear of how this will impact your financial freedom. Each day that passes, your debt increases, and so does your stress.

At NPDL, we have programs that can help ease your mind by taking care of your payday loan debts. These programs can lower the amount that you owe, lower the interest rate of what you owe, and get you out of debt sooner than seems possible.

Negotiating with lenders and working something out with them to help you pay off your debt is what we do, and we do it well. Not only will you be able to get out of your debt, but this could mean a smaller repayment plan per month!

Get Payday Loan Relief Now! 

FAQ's About Our Payday Consolidation Program

Payday loan consolidation is always a better option than declaring bankruptcy. Consolidation does require you to pay back a significant portion of the borrowed funds, though often a lower amount due to the negotiations. The primary benefit to this being all of the involved accounts will be either paid or settled.

With a bankruptcy, you may not have to pay it back in the same manner, but there are other downsides to the filing. While the debts will be officially discharged in the eyes of the courts, the bankruptcy determination will stain your credit for a minimum of 7 years.

The constant harassment by phone of lenders is one of the most infuriating and frustrating parts of bearing debt from short-term loans. While the reasoning behind them is understandable, the endless calls can be overwhelming and even frightening for those dreading them.

Once you are enrolled in our payday loan consolidation program, we will send cease and desist letters to all current lenders, so your phone burden will be relieved almost instantly. We will become your primary contact for all your debt-related communication.

Whether or not consolidating your debt will impact the amount of taxes you owe depends on what plan you use. With a debt consolidation loan, most of your unsecured debts are rolled into one loan, potentially leaving you with a lower monthly payment and aggregate interest rate, although you will still be paying off and honoring all of your obligations. Because of this, there is no tax liability.

With debt settlement, our team negotiates with your lenders to lower your rates. When these rates are lowered, the amount of debt forgiveness would be reported to the Internal Revenue Service (IRS). The amount that is reported is how much will be expected of you to pay taxes on as if it were income. Keep in mind that you are obligated to report all unsecured debt forgiveness to the IRS, even if your lender says they will handle it.

To be clear, the debt consolidation process brings with it several key benefits. Among the most important benefit is the opportunity to keep yourself from having to contemplate bankruptcy. Bankruptcy should always be your last alternative because of the damage it will do to your financial stability. If you are contemplating taking going the route of debt consolidation, we understand you will have questions and concerns. Top on that list of concerns would likely be, “will the debt consolidation process lower my monthly payments?” In the section below, we will address this concern.
Will Debt Consolidation Lower My Monthly Payments?
While it’s not guaranteed, lower monthly payments is certainly a potential benefit you could derive from the debt consolidation process. A better understanding of the process will help to point out why its reasonable to expect your monthly payments would be lower. As part of the debt consolidation process, you would bring all your unsecured debt to the table. If you are like many other consumers, a large part of that debt would be in the form of credit cards with a high APR. Additionally, the payments you are making on this debt likely require you pay a rather tedious aggregate monthly amount with principle. A debt consolidation loan helps in two ways. First, there’s a realistic chance the APR on your consolidation loan would be lower than the aggregate APR on you other unsecured debt combined. Second, you would only be required to make a single payment each month. If the loan is stretched out long enough, the principle portion of the payment would likely be lower than the aggregate principle you are paying now. If you factor together a lower interest rate and a lower principle requirement each month, it should be clear that the net effect will lead to a lower monthly payment out of pocket.

One of the benefits of working with National Payday Loan Relief is that none of our programs require you to close your checking account. Payday loans can become problematic when they debit your payment as agreed upon when you signed up for the loan.

Sometimes the money is withdrawn earlier than expected, which can lead to problems. When we step in, the ACH withdrawal privileges are revoked, meaning the lenders will no longer be able to draw funds from your accounts.

While it is easy to confuse the two, a debt consolidation loan and debt consolidation are different things. Debt consolidation means all of the money owed is gathered together leaving you with one large loan, giving you a single monthly payment. This makes meeting the requirements easier.

A debt consolidation loan, however, just means you are taking your unsecured debts and offering some sort of estate, such as a home, to secure it. Debt consolidation loans are definitely riskier, as your business or home is being put on the line.

Debt consolidation is generally available for unsecured debt and car loans. It is very rare that consumers get into debt trouble due to a mortgage, but there are other types of unsecured debt that can negatively impact your credit. The types of debts our debt relief programs may be able to help you with are:

  • Credit cards
  • Payday loans
  • Unsecured personal loans (including student debt)

Our goal at National Payday Loan Relief is to come up with a customized plan to consolidate your payday loans. Our plans vary depending on your specific circumstances, but they are generally for 6, 12, or 18 months.

Some of our clients have thousands of dollars in debt, while others only have about $600 they need to pay. No matter how many loans you have, we’ll negotiate with your lenders, leaving you with one single payment.

When you decide to put your trust in a debt consolidation company, it can be stressful to not have confirmation that your lenders are being paid off. Luckily, there are a number of ways modern consolidation companies provide for you to keep an eye on the activity on your accounts.

Most companies have an online portal where consumers can view a digital account summary. Alternatively, you can always contact the company if you don’t want to use the online options.

When the amount of debt you have becomes overwhelming, consolidating your loans can give you some much-needed relief. Consolidating your debts is helpful because you get a lower rate, less interest, and you’re no longer stuck dealing with multiple payments each month.

Our team contacts your lenders so we can negotiate a lower amount. After your loan debt is consolidated, you’ll have one manageable monthly payment.

Enrolling in our debt relief program is simple, fast, and free! Simply complete our online form or call for a free consultation. Once we have received the details of your existing loans and current financial situation, our team can get a plan together to help you reach your goals of financial recovery.

It’s no secret that unsecured debts related to payday loans and credit cards can negatively affect your credit score. To rectify this, a debt consolidation loan can help.

Debt consolidation can improve your credit in the long run, but initially, you may see a negative impact on your score because this additional loan is another form of debt.

Your credit will recover shortly, because this loan is used to clear your debts, fulfilling those obligations. As you make your loan payments on time, your score will continue to improve due to your responsible activity.

When you find yourself in deeper debt than you can handle, it’s time to reach out for help. Our debt relief services are here to ease your financial troubles a bit, so you can get on with your life.

Our main goal when negotiating with your creditors is to reduce your debt as much as possible, focusing on finding a manageable number for you. Using our debt relief services, you can expect to have 25% to 50% less debt by the time negotiations are completed.

Payday Loan Relief RESOURCES & TOOLS


Click on the image for more info about payday loans, debt management and more. Always checking our blog is a great place to start.


Click to use our debt calculators to get answers about the important numbers and percentages impacting your financial health.


Every state is different. Click in the icon to see the map and find out where payday loan laws and debtor protections are available in all 50 states.


Use our free letter Debt Settlement Agreement Letter template. Type in a few pieces of information after downloading and print your letter at home in minutes.

Clients That Were Able To Get Help With Payday Loan Consolidation


Had $1,925.28 total in payday loans, and was paying $481 a month! We set him up on a payment plan of $156 a month for 4 months to become totally debt free.


Had $4,080 total in payday loans, and was paying $1000 a month in fees alone! We set her up on a payment plan of $145 bi-weekly for 9 months to become free!


Had $1,227 total in payday loans, and was paying $204 a month, and we set him up on a payment plan of $105 monthly for 103 months to be free of his debt!


Take Back Your Financial Stability

We help the customer to stop the harassment by a call from lenders demanding their money.
The COVID 19 pandemic has caused a lot of strains in the financial position of many people. Some have been badly affected to the extent of not being able to manage their loans well. National Payday Loan Relief should therefore come as a source of salvation in these challenging times so that we can soon be back on our feet by managing our loans well.

Get Our Free Confidential Payday Loan Relief Quote

National Payday Loan Relief is an outstanding company because of its ability to:

Significantly lowers monthly loan payment
Consolidates multiply payday loans
Reduces the interest rates
Terminates all late charges and over-limit fees.

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