National Payday Loan Relief

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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 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 Exactly is a Payday Loan?

Payday loans are short-term loans given as an advance on your future paycheck and are available in just about every single state in the US. In many cases, they’re approved with the applicant only having to fulfill a few minor requirements, such as proof of employment or fixed income, and an open checking account. Upon approval, the loan funds are paid either by check or cash and often simply deposited directly into the customer’s checking account.

There’s always a catch, however, and it comes with the egregious terms of the loan. They can include a high-interest rate as well as confusing compounding frequency, and an overly aggressive payment schedule.

For example, the exorbitant interest rates 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 percent. But, 36 percent is the highest interest rate allowed under Federal and state usury laws that go all the way back to the early 20th century.

The fact is that interest is a percentage that you pay a lender for a loan, however, usury is the practice of charging borrowers excessive and unfair interest rates. Usury is a scourge on the financial services industry and its customers. Unfortunately, it’s also a reality in this day and age that has a stranglehold on many borrowers’ lives.

Payday loans can come with “interest rates” of 400 percent APR or even higher! So, how do PDL companies get around the usury laws? In general, they often call the interest charge a “fee” in the loan agreement rather than calling it “interest”.

There are now 20,000+ payday lenders in the US and payday loans usually have a very short repayment period, which makes it almost impossible for borrowers to come up with additional cash for repaying their loans on time. Consequently, many of them end up repaying the initial loan and taking out a new loan (or paying only the interest/fees due in states where it’s allowed) over and over to help them stay afloat. That’s why they call payday loans “the treadmill of debt”.

If you find yourself stuck on that treadmill, then payday loan relief could be a big help.

Why Are Payday Loans So Dangerous?

The biggest and ever-present danger with payday loans is that they almost always make any borrower’s financial situation worse instead of better. As a matter of fact, they’re so dangerous that, in many states all over our country, they’re categorized as ‘predatory lending’ programs. They’re literally designed to prey on people in need, taking advantage of their vulnerability to literally trap them in a vicious cycle of endless fees, high interest, and expensive defaults.

In addition, many payday lenders require permission for debit access to a borrower’s checking account so that they can take their money out in the face of any default. They frequently do this by requiring either a check or an ACH authorization as part of the terms for loan approval. This can lead to surprise debits to a borrower’s bank account and subsequently even more financial problems.

However, a borrower can issue a cease and desist/revocation of permission by mail or email to a payday lender, and legally, they have to stop debiting your account. That’s the good news. The bad news is that it often prompts lenders to escalate their efforts to collect. This can include more aggressive collection calls and more piles of mail demanding payment. And, to make matters worse, those collection efforts can often be followed by a lawsuit. Once a payday loan gets to that point, things can really get messy and extremely expensive.

With those sky-high interest rates (approximately 400 percent), being late by even just one day on your payment can easily be just the beginning of a dangerous cycle of late fees, especially when some loans are calculated daily. Unfortunately, that means borrowers who are already cash-poor are then shoved into a financial situation that’s even worse as they desperately try to keep their heads above water on a loan that was supposed to help them by covering their emergency needs. What looked like a life preserver turns out to be a deadly financial trap.

Payday Loan Debt Relief Company


How Payday Loans Entice Those in Need

For starters, it’s important to remember that payday loans are predatory in nature, therefore it’s quite clear that payday lenders absolutely know what they’re doing when they make their initial lending offer to you.

They often wear kind, sympathetic masks when they’re telling you that everybody needs a little extra cash to get by now and then. While you fill out your paperwork, they’ll probably continue on, telling you how quick and easy the process is. They may even tell you all about how ‘automatic’ and ‘convenient’ their repayment methods are and how autopay will make your future payments simple and so much easier to swallow.

Once you’ve completed your application, they’ll have everything that they need, from your bank info to your proof of employment. So, at that point, payday lenders usually offer you immediate funding. If you only need $500, but they have approved you for more, you can rest assured that they’ll definitely try to talk you into at least one or two hundred higher than the amount that you came in (or applied online) for.

They’ll probably tell you things that may seem reasonable to you at the time such as “you really never know what else might come up”, or perhaps “be sure that $500 is all you need because you can only take out one loan with us at a time”. They do all of this, knowing that they’ll make more money the more you borrow. And, they continue to do it even though they’re putting you in a more precarious predicament and exactly how much you’re going to be trapped into paying on your initial loan amount. Remember, they’re predatory lenders and you’re the prey.

Advantages And Disadvantages of Payday Loans

Although there are clearly some significant risks associated with payday loans, there’s an upside as well. In certain rare situations, a short-term loan could be the best (and possibly even the only) way that you can get your hands on several hundred dollars when needed. That being said, however, payday loan options need to be carefully weighed and measured prior to committing to one.

If you find that getting a payday loan is your only choice and it’s absolutely necessary, first and foremost, you need to remember that you should only borrow the minimum that you need to get you out of whatever situation you’re in. And, whatever you do, don’t allow any lender to coerce you into borrowing more money unless you’re in dire need of it.

Whenever possible, borrow only as much money as you know you can comfortably pay back in just one pay cycle without having to put yourself in a serious financial bind. That way, you’ll be avoiding as much of the sky-high predatory interest as possible by never allowing your loan to remain outstanding for any longer than you need to. Think of it as carrying a balance on your credit cards from month to month only a lot more expensive!

Payday Loan Pros

◊ Adjustable Loan Amounts

◊ Dependable Supplement to Your Income

◊ Emergency Cash When You Need It (Same day in some cases)

◊ High Chance of Approval

Payday Loan Cons

◊ High-Interest Rates

◊ Potentially Lead to an Ongoing Cycle of Loans

◊ Risk of more stress from collections and harassment

◊ They Usually Don’t Help Build Your Credit

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 Anyway?

It’s a financial process that’s quite similar to many other debt consolidation programs where, instead of paying multiple high-interest loans, you can pay them off using funds that are loaned to you at lower interest rates. And, although you’re technically borrowing again, you’ll be doing so at an interest rate that’s more manageable by far.

So, in the event that you’re juggling a number of payday loans where the lenders are all charging you ridiculous amounts of fees and interest, they can often be rolled into a single consolidation loan for effective payday loan relief. This can result in a drastic reduction in your monthly payment as well as in the total amount that you end up paying for each loan. This can go a long way in helping you to easily keep up with your loans while paying them off.

With payday loan consolidation, you’ll be reducing not only the total amount of the payday loans that you owe but you’ll also be successfully reducing the amount of interest that you’ll be paying over time. And, when you’re making lower monthly payments, you might also be able to start catching up faster and staying on top of all of your financial obligations going forward!

How Does It Work?

Taking that first step toward being in a much healthier financial position is as easy as simply reaching out and requesting a free consultation. And, you’ll find our initial conversation to be relatively quick and painless, mainly consisting of getting an overall idea of your current needs. To accomplish this, our National Payday Loan Relief experts will be gathering vital information from you about your debt and how much you currently owe (and to whom), as well as a little general information regarding your income.

After we learn some pertinent details about your income and your debt, we’ll be able to explore some options with you for consolidating and paying off your payday loans. If we’re successful at working with your payday lenders, and you decide that you want to work with us, then you can enroll in our highly-effective payday loan debt relief program.

Once you’ve enrolled, we’ll work directly with the payday lenders that you owe toward our goal, which is negotiating a satisfactory debt settlement plan. Our payday loan consolidation arrangements will allow you to start paying your loans off much faster and cheaper than any other method via a more affordable monthly payment.

What Are the Benefits of Payday Loan Consolidation?

Consolidating all of your payday loans can end up being a much-needed relief for you by decreasing your total monthly payments. If you’re overwhelmed with all of those sky-high monthly payday loan payments then the biggest benefit that we offer is to combine them all into a single low flexible monthly payment, thereby reducing your accumulated interest rates. In addition, payday loan consolidation prevents those greedy lenders from being able to touch your bank account. Let’s face it, nobody likes other people touching their money, so why should you allow those lenders to do it? Preventing that by consolidating your payday loans while also stopping all of those harassing collection calls can result in an incredible improvement in your overall peace of mind.

Get real payday loan relief today! And, remember that payday loan consolidation means that you’re seriously dedicated to finally getting out of debt and starting fresh. Isn’t it about time for you to regain control over your finances and start saving money.?

With payday loan consolidation, you can:

  • Put a stop to all of those payday lender/creditor phone calls,
  • Stop the automatic debits,
  • Stop the potential overdraft fees caused by automatic debits,
  • Reduce the amount you owe,
  • Lower your monthly payments and get some breathing room,
  • Obtain expert financial education and counseling from credit counselors,
  • Start repairing your credit, so that a personal loan could be a viable option for you in the near future so that you never need 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 Our Program Right for You?

If you’re one of the many Americans who currently have multiple payday loans and want to get out from under them, then our payday loan consolidation program could be the perfect option for you. Our experts will do all the work for you and what you get is a better life free of all of that payday loan debt that has been dragging you down.

So, even though only you can decide if our program would be a good fit for you, we’re always available to talk you through everything from how it works to what you can expect every step of the way.

How Can Payday Loan Consolidation Help You?

Managing several payday loans, or even just trying to stay afloat while you’re stuck in a seemingly never-ending cycle of debt can be very expensive. And, it’s not just costing you your hard-earned money either. It’s also costing you precious time and increasing your stress and anxiety levels. Knowing that your next incoming phone call could very well be from another payday lender or collector (or maybe even worse) can be devastating to both your physical and mental health.

Of course, there are also financial costs to contend with. The ongoing expense that comes with being locked into a vicious cycle of redundant fees and predatory interest could cost you from five to ten times the amount that you borrowed! And, those repeated ACH payments and other automatic debits could be putting your whole paycheck in jeopardy. Then, what will you have to live on?

When you work with us at National Payday Loan Relief, you can finally breathe and decompress. You don’t need to worry about tracking multiple payments and loan arrangements made with your lenders. Your new monthly payment plan will be both affordable and easy to follow. And, that considerably lower monthly payment comes complete with a much 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 fully understand how this can be an extremely confusing and frustrating time in your life. But, don’t worry because we’ll hold your hand during the entire process. You can finally lie your head down on your pillow and rest well at night, secure in the knowledge that now you’re working with experts who specialize in the settlement and elimination of unsecured debt.

Getting In Touch With Someone Who Cares

Being in debt to payday lenders can be an isolating experience for you. If you’re dealing with this, you may feel like you’re all alone in the struggle. You also might feel like a fool for ever borrowing from a predatory lender in the first place. You could also be feeling like there just isn’t anybody out there who understands what you’re going through. What you need right now is simply to come to the realization that help is out there and there are highly-effective resources that are readily available to you. We’d love to tell you all about them.

Plenty of other people have had to face similar problems with payday lenders. In fact, it’s actually become such a widespread problem that payday loan help services have started springing up all over the country. It’s a good thing that they have because that means that a lot more people can start getting the answers and the professional help that they desperately need.

Is Payday Loan Relief Legal In Your State?

In most states, payday loans themselves are legal. There are only a handful of states that completely prohibit them. They generally have payday loan legislation in place that doesn’t allow the sky-high interest rates that payday lenders usually charge.

Some other states that do allow short-term loans to consumers often compensate by regulating them to a certain extent, however, that’s usually still not enough to keep those loans from becoming dangerous. That’s why consumers in every state need easy access to help with dealing with predatory lenders. If you live in a state where payday loans are legal (and you shouldn’t have received one if you don’t), that also means that help via payday loan relief is legal and available there.

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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Getting Payday Loan Relief

There’s a common cycle that most borrowers go through and it’s a vicious cycle that’s extremely difficult to escape for many of them. It goes like this. You keep constantly getting more payday loans so that can pay off the loans that are already outstanding. Needless to say, this just puts you deeper into debt as you end up with more of the same financial problems that you had in the first place. It seems to make the mountain even harder to climb.

A great number of people will look up at that mountain and can’t see any way to get past it. Others may take action by declaring bankruptcy via the courts, which could appear to be a solution at the time, but is only putting a Band-Aid on this problem. Bankruptcy will ruin your credit for years, making it much more difficult to get some of those things in life that you need. And, it’s also a very sad fact that some borrowers may even get into such a desperate state of mind that they end up taking their own lives. That’s how potentially dangerous payday loans can be. Do you think that the predatory lenders care? Not even a little bit! For every one that they lose, there are a hundred more applying every day.

So, rather than going down any of those rocky paths, it’s a much better option to look into our payday consolidation program, which could easily assist you with achieving what you probably thought was impossible. Maybe it’s time for you to get out from under the thumb of those payday lenders once and for all!

Why Consolidate Your Payday Loans?

  • It’s much more effective than bankruptcy
  • It’s completed faster
  • Payday loan relief may sound overwhelming to you, however, it’s a lot easier than remaining stuck in that payday loan cycle
  • With our payday loan consolidation program, you also get supplemental financial education that helps you work toward financial freedom for a better future!

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


Ensure that you know as much as possible about loan relief. Although you’re looking for the best debt consolidation company, you should also be aware of all of the processes and details involved so that you’re always as informed as possible. So, reading all about other client experiences and checking online reviews will help you to stay on top of both the good and the bad.

Understand Your Strengths

Knowing all of your income details, as well as your expenses and bills, will help you to know what would be a comfortable monthly payment. In fact, if you actually make significantly more than your total debt payments, then you might not need debt consolidation. You might just need to undergo some financial education to enable better debt management and we can help you with that as well.

Identify Your Weaknesses

Just like you should know your strengths, you should also be honest about your weaknesses. If you have a problem with debt management or if your total debt is significant enough to make it impractical or impossible for you, then 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.

Are There Any Good 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 Payday Loan & Our Payday Consolidation Program

All kinds of people from all walks of life use these loans every single day, especially now that they’re so easy to get online. They include those who are dealing with one or more of the following:

  1. An expensive trip to a vet for a family pet,
  2. A family illness or injury,
  3. Kids need back-to-school clothes,
  4. Past due utility bills,
  5. New clothes for an all-important job interview,
  6. Overdue insurance premiums,
  7. Unexpected home repairs,
  8. Unexpected vehicle repairs,
  9. Any other emergency in life, large or small.

Payday loans are often called many different things including:

[1.] Cash advances

[2.] Deferred deposit loans

[3.] PDL

[4.] Paycheck loans

[5.] Payday advances

[6.] Payday cash loans

[7.] Payroll loans,

[8.] Salary loans,

[9.] Short-term advances,

[10.] Short-term loans,

[11.] Small-dollar loans

[12.] Unsecured loans

Actually it’s neither because payday loans aren’t usually even a type of installment loan. That’s due to the fact that the full amount of the loan repayment is typically due all at once. It isn’t a revolving loan either, since the borrower can’t repeatedly borrow more money and then pay back the loan.

There’s no such thing as “debtor’s prison” in the US, so no, you definitely can’t be arrested for any debt or for getting behind on any payments. Creditors of consumer debt (including everything from credit cards to medical debt, mortgages, payday loans, or student loans cannot cause you to be arrested or jailed.

Payday loans are quite often harder to repay than traditional loans since the lender has not verified your ability to repay prior to lending you the money. Payday lenders do not, for example, take into account your other debts before giving you a loan.

Everything from installment loans to payday loans, and personal lines of credit are common types of unsecured loans. In the event that a borrower can’t repay an unsecured loan, the lender isn’t able to take the consumer’s assets, however, they can transfer your account to a collection agency or their internal collection department to help with setting up payment arrangements.

Absolutely! If you fail to repay your loan, the lender or a debt collector for the lender can sue you for the purpose of collecting. In the event that they win, or if you fail to dispute their claim, the courts will end up entering an order of judgment against you, which will state how much total money you owe and that usually includes some egregious additional fees, including attorney’s fees.

In most cases, you can cancel your PDL agreement any time up to two or three business days after signing it. You have till the end of the second day to do this. This is generally called a cooling-off period and you should always have one even if your loan agreement doesn’t include it. You don’t need a reason to cancel, however, you do have to return the borrowed money but don’t have to pay any interest or fees. The lender must provide a receipt and return any postdated checks or other debit forms that you gave them. Following the cooling-off period, canceling your loan agreement is only an option if the payday lender failed to follow all of the rules. For example, in the event that they:

● Failed to provide a copy of your agreement as soon as it was signed,
● Failed to give you the money as soon as you signed your agreement (in-store loans only),
● Failed to initiate delivery of the money within one hour (online only),
● Your agreement doesn’t include all of the information that it’s supposed to. If the lender did follow all the rules, you can’t cancel and have to repay the full amount that was promised under the agreement. If you can’t repay it, you should talk to us about your payday loan consolidation options.
Payday loans are clearly here to stay. As long as everyday people need quick cash-in-hand, there will always be payday lenders. There are alternative methods of getting money, including a credit card cash advance, a peer-to-peer loan, a short-term bank loan, or a charitable donation, however, most borrowers either don’t qualify or don’t have the time to wait for them to produce the cash they need. As long as you know exactly what you’re getting into when you get a payday loan, you’ll be fine. Just make sure that you do your homework on the subject and, if you still get into trouble with payday loans, we’re always here to help.

This varies from state to state, however, for example, in the state of California, the statute of limitations on all consumer debt is four years. This means that creditors can’t prevail in court once four years have passed, making that debt uncollectible. However, this also varies among the specific lending companies. Some lenders, both large and small, prefer to take the tax write-off instead of spending the additional capital chasing errant borrowers. And, once they’ve written them off, it’s best for their overall financial health to stop all collection efforts rather than getting caught “double-dipping” by the IRS or having to do all of the paperwork required to fix it. 

A payday loan can stay on your credit report for up to six years, so if you find one on your report, settling the debt can help with getting it off your report faster and improving your debt-to-income ratio.

Yes, the Consumer Financial Protection Bureau (CFPB) rule requires all payday lenders to acquire express written permission to access any consumer’s bank account following two failed attempts to collect on a payday loan (among other provisions). In addition, the Payday Lending Rule prohibits any payday lender from initiating a payment transfer in connection with specifically covered loans and in certain circumstances. The CFPB is in charge of implementing and enforcing federal consumer financial laws in order to ensure access to consumer financial product markets for all consumers.

Many borrowers in the US default on their loans every day, and one common question that they ask is if nonpayment of a PDL could result in imprisonment but the simple answer is “no”. However, that being said, beware of lenders or collectors who try to intimidate you into paying by threatening arrest and imprisonment. That’s illegal and you should let any collector know that you’re well aware of that. 

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!


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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.

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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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