National Payday Loan Relief


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

You might be wondering what is a payday loan? A payday loan is an advance on your next paycheck. You get money to help with expenses or emergencies, and you repay the money when you receive your next paycheck. Payday loans are very popular because they’re quick and easy. But the rates are usually lower than other types of loans. However, these short-term loans can become expensive if you don’t pay them back on time or in full.

Payday loans offer high-interest rates; for instance, the highest interest cards can charge approximately 28 to 35 %. On the other hand, an average payday loan charges an exploitative percentage of approximately 398%. Therefore, a payday loan is suitable initially, but with time, it will sink you deeper in debt. Some payday loan lenders go an extra mile of wanting to have a right to access your bank account, in an event you default your payment, they can get hold of your income.

Why Payday Loans Are So Dangerous?

Payday loans even thought they provide easy and quick cash, they can be your worse nightmare. When you apply for a payday loan you are entering a financial battle with the lenders. The point of payday loans is to keep the customer on a constant loan cycle which trap the customer with payday loan’s super high interest rates

Payday loans are very expensive, here is a perspective. High interest credit cards charge borrowers an APR of 28 – 36%, but the average payday loan’s APR is 398%. Payday loans are a financial quicksand which sound good at first but deadly after getting one. Also some payday lenders want the right to access your bank account to garnish your income if loan is not paid.

Borrowing costs can soar in a short amount of time, cash-strapped borrowers will often return to the lender saying that they don’t have the money to repay the loan, something lenders actually like to hear. They will offer an extension, known as a roll over, that will give you another two weeks to repay the loan with the catch that you must pay other fees.

All About Payday Loan


How Payday Lenders Attract Us

Payday lenders know what they are doing when they make their pitch to us. They say that they can help us out of our bind with some payday loan help. Just a little extra cash that is transferred into our bank account today is all that we think we need to get buy. It is an easily alluring prospect for many of us. However, it is a ploy that does not work out for us nearly as well as we hope or dream that it might. The reality is that payday loans have some of the highest interest rates of any kind of debt that you could ever have.

Advantages & Disadvantages of Payday Loans

Payday loans have a tendency of having high risks, but depending on the situation it can help through the circumstance, the bottom line on payday loans is that you try to find an alternative. If you must use a payday loan, try to limit the amount and borrow only as much as you can afford to pay with your next paycheck, and of course still have enough to make it to next pay day.

The best approach is to prepare as much in advance as you can since emergencies can happen at any time. That way, if you do experience financial hardship such as medical bills,  job loss, unexpected car repairs, etc., you’ll be able to either borrow the money through a high quality loan product or credit card, or have the money saved to cover what you need.

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

Payday Loan Consolidation Features

National Payday Loan Relief is trusted by thousands of individuals just like you that, at one time, depended on payday loans to help them manage their personal finances; until they reached out to NPDLR.
  • Reduce Your Monthly Payments 

  • Consolidate Multiply Payday Loans 

  • Lower Your Interest Rate 

  • Terminate All Late & Over Limit Fees 

  • Stop The Harassing Calls From The Lenders 

  • Opt-In For Any legal Help 

  • Consolidate All Your Payday Loans 

What Is Payday Loan Consolidation?

Payday loan consolidation is taking an action to roll the loans that you have outstanding at the moment into one smaller payment that you make going forward. In other words, you are borrowing again but at a much lower interest rate. In addition, where you might have a handful of different payday loans out at this very moment, you can roll many of them up into one simple payment that is easier for you to make so that you actually do make that payment and don’t have to keep struggling with the payday loan cycle.

Payday loan relief might make it possible for you to actually pay a lot less over time on the loans that you have outstanding already. You are rolling them into one payment which may be easier for you and prevent more borrowing. At the same time, you can get a much better interest rate in many cases that keeps the total amount that you pay back on these loans down to a minimum.

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.

The Benefits Of 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.

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. 

How Our Payday Loan Consolidation Works

First, we begin with a free consultation to review your financial situation. We’ll learn about who you owe, how much you owe, and what your overall financial gain/expenses is like. We’ll discuss which options would be best for assisting you in repaying your payday loans and plan avoiding payday loans so that you truly break the expensive and stressful cycle of payday loan debt.

Once we determine that we can work with your payday loan lenders, and enroll in our Payday Loan Relief Program, we’ll contact the lenders directly and work out a negotiated consolidation arrangements. You’ll then make more affordable monthly payment until your loans are paid in full.

One issue many individuals face when trapped in payday loans is that they may feel embarrassed or shame for their finances spiraling out of control. We want you to know that our skilled counselors are here to prevent this situation from occurring again. We believe it takes strength and courage to face such challenges head-on. Rest assured our staff will be there to guide you every step of the way.

Do You Need Payday Loan Relief or Payday Loan Consolidation?

Do You Need Payday Loan Relief? Payday loan debt would make an old school Las Vegas loan shark blush. Even they were not nearly as aggressive or willing to take as much advantage of people as those who work in the payday loan industry are these days. It is because of this in fact that so many get into the messes that they do in the first place. They are sold a bill of goods, and when that does not work out, they are left holding the bag with all of the payday loan debt.


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 Consolidation 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?

Payday Loan Relief Truths – To make the point crystal clear to you, you should understand that payday loans are literally banned by law in certain states. It is not legal to charge that high of an interest rate or use the lending terms that these lenders do in a number of places. Those terms and rates are considered abusive by the states that have forbid it, and that is why you will find that they do not allow it. However, there are places where you can still get one if you need one.

The truly terrible thing is just how easy it is to apply for and receive your cash. It might sound like this is just good customer service and effectiveness in a business model, but that is not exactly the case. The industry just wants to get those loans in the hands of their customers as quickly as possible before they can really sit down and think about what they are taking on with this type of loan. It is a way to have them sign up to terms and conditions without giving it another look over just in case.

Getting Help With Payday Loan 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 loan 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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Find Relief With Payday Loan Consolidation

Consolidate Your Payday Loans

  • Bankruptcy is not your only way out; You too can be debt free with NPDLR.
  • We understand that payday loan debt can be overwhelming and asking for help is not always easy.
  • Seeking help using our payday loan consolidation services can be your ticket to regain your financial freedom and re-establish your life once again.
  • We can provide you the best debt consolidating counseling to help manage your budget for priorities & future payments.

You can do something about your payday loan debt. Give us a call or fill out the form so you can regain your financial stability with our payday loan help!

Top Payday Loan Consolidation Company

The idea of payday loans has made people desperate to get some quick cash. At that point, the endless loop starts and they don’t have the idea about how to pay off the debt. Even if you pay off the debt, you are in short of cash then another new cycle start. After that, you have to take another payday loan to fix it. It goes on over and over.  We can help you to get out of this cycle by our top rated payday loan consolidation programs designed for individual like you.

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.

Payday Loan Consolidation Alternatives

Debt consolidation loans are one of the most popular debt solutions out there, but it’s not always the best option for some individuals. While these loans provide you with the potential to decrease your interest rate, minimize the number of payments & save money in the long run, they might also be detrimental to your credit for a little bit for a short period of time.

Finding alternatives to pay back your payday loans can be a bit risky, keep in mind that not everyone is there to help individuals get out of debt, some companies will sell you snake oil which promise you false hopes and at the end they never pay back your debt or did something totally different, don’t fall for these false companies. If you really need debt assistance but don’t want consolidation, then there are these other options which include Payday Loan Debt Settlement, Financial Debt & Credit Counseling, Financial Debt Management & filing Bankruptcy as a last resort.

 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!

 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 

 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

What To Look For In A Debt Consolidation Company

The best results with debt consolidation come when you are disciplined in managing your money and maintaining a good working relationship with your creditor. Here is what you need to look when searching for a Debt Consolidation Company.

Customer Service

Among the basic things a debt consolidation company should do is make the customer feel at ease. The company should be in a position to answer questions. They should have been able to build a reputation for integrity and of delivering success. 

The people who guide you in counseling should be certified individuals. Good companies should teach you the root causes of your problems and how to solve them.


You should be able to judge the transparency of a company to determine if your decision is the right one. Companies that disclose all their terms and conditions on debt payment and interest involved are the best to make a deal with.

Cost and charges required should be listed all the fees they charge within a given period and information on how much their interest rates are.

Trustworthiness of The Company

Companies that have built their reputation for more than ten years gain more trust because their process has been observed for a more extended period. Also, their value is more substantial because of the period involved in shaping them.

Detailed identification will be determined by having a listing of executive members, the company address, the weekly hours of operation and also details of how one can reach them.

Education Services Offered

What leads people to be in loan relief companies is the lack of proper management of their finances; therefore, a company dealing with debt consolidation must train their customers well on appropriate management of their funds. To avoid future recurrence of the same mistake.

How stable the company is will be determined by the period they have been in business.

How To Choose A Debt Consolidation Company For Payday Loan Relief

Do Thorough Research

Read a lot about loan relief. Also, read about other people’s experiences who had shared similar problems like you and choose a method that will solve your problems.

Measure Your Strength

Check on your income and compare it with your depth payment amount. If your income is enough to pay your debt, you will need a debt management system instead of a consolidated company.

Identify Your Weakness

If you have a problem with managing your debt, consider settling for debt consolidated, but if you are in a position to manage your debt, don’t fall for such companies.

Make A Conscious Choice

Once you have found a company that satisfies your needs, makes you feel comfortable, answers all your inquiries and educates you about your finances. Then make a decision.

Set A Target Date To Finish Your Loan

Be realistic and disciplined when coming up with the specific period for the repayment of the loan.

National Payday Loan Relief Helps Consolidate Your Payday Loans

Payday Loan Debt is a prevalent burden to many people every year. It all starts as a small payday loan which is not managed correctly, leading to its growth into an unimaginable figure within a few months. This is majorly caused by the high-interest rates and fees charged on the money initially borrowed. 

Yes, we help consolidate all your payday loans by putting your loans together into one loan with a much lower interest rate. They, therefore, reduce your interest charge every month, facilitating quick payment of dept.

Debts are hard to ignore because they are ever-increasing, making the borrower frustrated due to the numerous calls received from the credit companies. Therefore we established the help, to fight these frustrations.

How National Payday Loan Relief Can Save Your Money

National Payday Loan Relief will help you save money by reducing the interest charge each month, making the payment of your depth quick and less monthly deposits.

The Payday loan relief program enrolled will help reduce 30% of the debt once the customer completes the debt. Some analysts say that debt settlement is a risky thing. This is because they can compare the agreement with entering into a financial battle with the lenders. The objective of a payday loan is majorly to maintain the customer on a continuous loan cycle. We break that cycle to get out payday loan debt.

Why We’re The Best Consolidating Payday Loans

Why is National Payday Loan Relief the best in consolidating payday loans? It is because we factor in our customer needs, prioritize transparency as a virtue to our company. We educate our customers on the best ways of managing their income. With our many years of service, we are a trusted company by many nation-wide!


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!

FAQ's About Payday Loan Consolidation Program

Before making that all important decision to take measures to combat debt issues, it’s incumbent on the consumer to make sure they understand their options. Any comparison between debt consolidation and bankruptcy has to start with a thorough understanding of the long-term effects of bankruptcy.

The Negative Long-term Effects of Bankruptcy

Prior to any celebration about the total elimination of debt from bankruptcy, it’s important that the consumer take into account how their life and personal finances will be affected in the future. For the most, bankruptcy will linger as a financial cloud overhead for as long as 10 years.

The negative impacts are many. These impacts start with significant damage to one’s credit score. With a bad credit score, it’s near impossible to secure any kind of loan for the duration of the time the bankruptcy sits on the consumer’s credit report. That bad credit score could ultimately have a profound effect on one’s ability to rent an apartment or qualify for employment.

At the end of the day, bankruptcy will serve as a significant financial burden into the future.

Why Debt Consolidation is a Better Alternative

The debt consolidation process allows the consumer to wrap all their outstanding unsecured debt into one loan. That one loan is much easier to manage in terms of only having to make a single payment every month. Such a loan could carry with it a lower aggregate interest rate as well as a lower aggregate monthly payment amount.

As for the effect such a loan would have on the consumer’s credit rating, it would be significantly less than the impact of bankruptcy. By the simple fact the consumer will ultimately be honoring their debt, the effect on their credit score will be less for a shorter period of time. In short order, the consumer could be able to secure loans to cover emergencies.

Conclusion: By far, loan consolidation is the best option.

In order for us to properly answer the titled question, you need to understand the difference between debt consolidation and debt settlement. In a debt consolidation program, you will usually have access to two options. If you go the route of a debt consolidation loan, most if not all of your unsecured debt (credit cards, personal loans) would be rolled into one loan. That could result in a lower aggregate interest rate and monthly payment, but ultimately, you would be honoring and paying off everything you owe. With debt settlement, someone would actually reach out to your creditors on your behalf and request them to cut the principle you owe, eliminate late payment fees and perhaps lower the effective interest rates. If the process were to be successful, there would be forgiven debt that you would no longer be responsible for paying.
How Would Either of These Debt Consolidation Program Options Affect Your Tax Obligations?
Under the debt consolidation loan scenario, you would ultimately be honoring all of the debt you owe with no tax liability. Under the debt settlement scenario, there would likely be debt forgiveness with tax liability. If a lender were to forgive debt, they would likely report the amount of debt forgiveness to the Internal Revenue Service (IRS). The amount reported would be the amount you would be expected to pay taxes on as though it was some form of income. The amount of taxes you would pay would depend on your overall personal effective income tax rate. Caution: You have an obligation to report any unsecured debt forgiveness to the IRS. This is an applicable law you must abide by even if one of your lenders were to neglect to make the proper filing to the IRS. If you are having debt issues, the last thing you want is the IRS getting involved in your financial business
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.

No, you don’t HAVE to close your checking account. National Payday Loan Relief Consolidation program will not require that you close your checking account as part of the program. The way that payday loans become problematic is when they debit money from your account with the ACH withdrawal permission that you signed when the loans were originally taken out. Sometimes, the money is withdrawn days before the actual agreed upon date. Once they have access to your account, it can seem impossible to stop the vicious cycle.

When the National Payday Loan Relief consolidation program becomes involved on your behalf, there is a revocation of those privileges that is sent to the original lender letting them know that they no longer have permission to withdraw funds. This is a legal and binding document once it’s acknowledged. The problem with the payday loan lenders is that it may take a pay cycle or two before the lender actually honors the request to stop withdrawing money.

Because of this, there are times that people choose to voluntarily close their checking account and remove all funds so their money is safe for sure and not in danger of being taken from the account. If that’s the choice that you make, speak with your bank first. Let them know that you are working with a consolidation company and that you have revoked ACH withdrawal permission. That way, if you close the account and they do try to withdraw money, you can dispute the charge and won’t be charged overdraft charges.

One of the most frustrating parts of being in debt is endless calls from lenders. While it’s understandable that they would want to receive the money that they are owed, being harassed about payments can make an individual feel overwhelmed and scared to answer the phone.

At our offices, we are passionate about helping those in debt not only reduce what they owe and start to work toward becoming debt-free, but we also recognize that cutting down on harassing phone calls is part of the solution. When you partner with us by joining our debt consolidation program, our first course of action is to send letters to all your lenders. These letters are called “cease and desist”, and ensure that you are no longer bothered by annoying phone calls.

When you join our program, we become the primary contact for all your debts. By eliminating your annoying phone calls, we can help you to break free from the pattern of fear and destruction, making you able to once again answer your phone in peace.

Our main goal is to stop phone calls from bothering you and end the possibility of lenders accessing you bank account.

If you are tired of being hounded by debtors, then our debt consolidation program is for you. We work to end the harassing calls while providing you with the tools you need to become debt-free in a reasonable amount of time. Contact us today to discover more about our programs and what we can do to help you!

Sometimes the terms surrounding debt programs can be very confusing to individuals. While the terms “debt consolidation” and a “debt consolidation loan” may sound like the same thing, they are actually very different. A consolidation loan means that you are simply taking an existing debt that is unsecured and making it secured by offering some type of estate such as one’s home.

On the other hand, a simple consolidation of debt means that all the money that you owe is gathered into one large loan. The purpose of consolidating your debt is to lower the amount of interest that is being collected each month, and make payments more manageable. The program take all loans and combine them into one easy payment.

Of the two, debt consolidation loans are by far the most risky option. When you take out a consolidation loan, you are putting your home or business on the line. In cases where meeting a payment isn’t possible, lenders have been known to immediately seize property and put homeowners out on the street. To prevent being thrown out of their home, most people turn to additional loans and credit cards which only bury them father under debt. In serious situations, the loan may result in bankruptcy and even home foreclosure.

To best understand how to limit your debt load and become debt-free, contact someone with our offices. Let us show you how a consolidation plan can help your life and steer you toward your financial goals.

Prior to pursuing a debt relief program, you would be well-served to understand exactly what kind of debt a particular debt relief company would be willing to include in the process. In most instances, secured debt would not be included in the mix unless it would be a car loan. That leaves what would be considered unsecured debt. Let’s discuss further.
Which Debts Are Eligible for Debt Consolidation or Debt Settlement
Very seldom does a consumer get in debt trouble because of a mortgage. The road to their troubles usually goes through unsecured debt. If you find yourself in of help with payday loan debt or any other kind of unsecured debt, we have programs that can provide you with that help. To help you better understand the payday loan debt help process, here’s a list of the kinds of debt we might be able to include in one of our debt relief programs: 1. Payday Loans – In a pinch, securing a payday loan might seem like a good idea. Unfortunately, these types of short-term loans only mask an underlying problem. By the time your first payday loan payoff is due, you might suddenly realize you need another payday loan to payoff the current loan. The debt cycle takes hold. 2. Credit Cards – In the wrong hands, credit cards can create significant debt issues. High APRs and low monthly payment requirements often lead to debt issues. 3. Unsecured Personal Loans – Under this category, we include student debt. Even with the best intentions, unsecured personal loans on top of other debt can cause significant debt issues. If you need help with payday loan debt, you have little time to waste. Your best strategy is to look a debt relief program that provides immediate payday loan debt help as well as help with your other unsecured debt issues.

When you work with National Payday Loan Relief, we’ll give you a plan to consolidate your payday loans. Since the plan will be customized to your specific situation, the exact length of time it will take to become debt free will vary depending on how much you owe and how much your monthly payments are. Many of our plans are for 6, 12, or 18 months; each payment plan is personalized to the customer.

We work with customers who have $600 or more in payday loan debt. Some clients have thousands of dollars to pay, and/or several payday loans. When you consolidate multiple payday loans, you’ll send just one simple monthly payment. When you make that payment, we immediately pass on the money to your lenders. This is a very effective way to pay your debts efficiently and with an affordable monthly payment.

The good news is, we work with lenders to negotiate reductions in the amounts you owe and the interest rates you pay. Our customers have seen huge savings as a result of consolidating their loans with us. Some have saved thousands of dollars, and this has allowed them to pay off their loans much sooner than would otherwise be possible.

Because we are often able to reduce your total debt amounts, as well as interest rates and the monthly installments you pay, becoming debt free is more possible than ever. Becoming debt free is a huge financial milestone, and we work to make the process more affordable and less complicated. We look forward to working with you.

Debt consolidation is a simplified debt refinancing method in which you take out a singular loan to compensate several other creditors. Although this approach of payday consolidation can be a less complicated form of debt repayment, many individuals wonder how they can keep track of which creditors are being paid. Fortunately, modern consolidation companies offer a number of ways for you to keep track of the activity associated with your accounts.

Several credit consolidation organizations provide consumers with a digital account summary that can be viewed through an online portal. These portals can typically be accessed by registering with information such as your account number, social security number, or other identifying information. Most online databases like these give a detailed history of which offers the consolidation company has made, and which creditors have responded. By consistently keeping track of this information, consumers can stay up-to-date with which payments are being administered.

If you’re looking to track your payday loan debt consolidation history with an alternative route, you can always call the company directly and request a full report of the contact history between the payday consolidation company and your creditors. If you request this over the phone, then the company will likely send you a physical print out of the history through the mail. If you’ve asked for the documentation through email, then they may be able to send it as a secured attachment.

As a contracted client, you are always permitted to request the payment history related to your account. Knowing that the consolidation company you’ve hired is maintaining consistent communication with your creditors is vital in the debt refinancing process. The security of knowing that your debts are being taken care of promptly and efficiently should always be provided by the company you invest in.

When you decide to consolidate the amount that you owe on your payday loan, you probably are already feeling overwhelmed by bills and unable to keep up with your payments. Thankfully, consolidating these debts can actually help you by not only combining all that you owe into one easy-to-manage payment, but it can also lower what you owe along with lowering the exorbitant interest rates that you may have accrued.

When you team up with our consolidation services, our team members will get in contact with your lenders and work to reach an agreement with them that will lower the amount of money that you owe. Along with lowering your debt load, we also help to lower the amount of interest that is accumulating by lowering the interest rate that is due each month.

After getting your payday loan debt consolidated, you can expect to see one monthly payment that is much easier to keep up with and is a more manageable amount of money due.

By lowering your debt load along with your interest rate, you can put your money toward paying down what you owe and starting the journey toward becoming debt-free.

Contact our offices today to discover how we can help you through our consolidation programs. Our team will happily explain the ways that we can reduce the money that you owe, making your life simpler and more enjoyable as you work toward financial freedom.

To enroll in our debt relief program, simply complete our form for a free consultation or contact us by phone at 1.855.413.4998. Our application process is simple, fast, and free! Once you have submitted the details of your existing loan, along with an overview of your current financial circumstances, our team of experts will start working on your behalf to get you on the road to financial freedom swiftly.

Dealing with debt all alone can be stressful. Debt relief can help to change the terms of your debt in addition to the amount you owe so that you can get back in control of your finances. Debt relief programs will negotiate with creditors on your behalf to reduce what you owe and restructure the debt so that you can get out of debt faster.

We work to help reduce your monthly payments and consolidate multiple debts. You may be able to lower your interest rates and put an end to all late and over the limit fees. Our payday loan debt relief program can help you put an end to harassing calls from lenders. Bankruptcy is not the only solution to overwhelming debt. You have options and can live a debt-free life.

We can help you consolidate and reduce the amount you owe. We can help you make a low monthly payment and put a stop to automatic debits to your bank account. Our debt relief program can help you avoid bankruptcy and lawsuits. We offer expert credit counseling help and help you to improve your credit.

When someone runs into debt problems, it’s normal for them to show concern about their credit score. After all, so much of our lives is tied to how well we manage our finances. It’s important to remember that our credit score affects our ability to qualify for loans, pass background checks for apartment rental and even secure employment. If you have unsecured debt issues related to credit cards and payday loans, you should be concerned about your credit score. Even more important is you taking the time to do something about it. We would certainly recommend payday loan consolidation with a reputable payday loan consolidation company as a viable option. How will that affect your credit score?
How a Payday Consolidation Loan Might Affect Your Credit
The idea you would move forward to contact a payday loan consolidation company indicates you likely have credit issues. Your continuing credit issues might well be damaging your credit score. Can payday loan consolidation save the day? The answer is yes, to some extent a debt consolidation loan can help you. What you need to understand is initially, it might have a slight negative impact on your credit score simply because you have taken on a new form of debt. If you were to go the route of debt settlement, the negative impact on your credit would be more profound because you will have not fully fulfilled your obligations. By going down the loan consolidation path, you would be making clear your intent to honor your debts. As you show good progress making payments on your consolidated debt loan, the bad credit history diminishes to be replaced by more responsible loan activity. Your credit score will start improving. Remember, that’s only true if you are able to comply with the terms of your new debt.
If you find yourself facing financial difficulties due to credit card and/or payday loan debt, you can’t let these issues keep troubling you. At some point, you are going to have to bite the bullet and think about getting debt relief. Assuming there were issues with you going the debt consolidation route, your next best alternative would be debt settlement. Through out debt relief service, we would reach out to your creditors in an effort to get them to agree to cut your debt to something more manageable. In all likelihood, you creditors would agree to cooperate to some extent. Experience has taught them its better to offer debt relief as opposed to having a client file for bankruptcy under which circumstances they would receive nothing. Knowing the debt settlement could be a viable alternative based on your circumstances, you surely would want to know how much debt would be cut from your accounts with us advocating on your behalf. Let’s us offer an answer.
How Much Would You Debt Be Reduced By
As we would enter negotiations with your creditors, our goal would be to get you as much debt relief as possible with an eye on finding a number you can manage. It’s hard to predict how your creditors are going to react, but the motivation to cooperate is there as we expressed above. To give you a rough idea where your debt might end up being, we have been successful at lowering debt for our clients by as much as 50%. It would be safe to say that in your case, we would be confident stating your debt would end up being between 25% to 50% lower by the time we finish negotiating with your creditors. With 24 to 48 months to payoff the remaining portion, you should be able to better manage your finances and get some relief from stress.



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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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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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