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What Exactly is Payday Loan Consolidation?

In a payday loan consolidation program a borrower hires a consolidation company to negotiate their payday loan debt directly with the lender with the hope of decreasing the overall amount that they must pay back. This can be a beneficial process for anyone who is struggling with payday loan debt from several different lenders or just a large amount of payday loan debt from a single lender. Using a payday loan consolidation company to negotiate directly with the lender, the interest on your loans will stop accruing. If this sounds like a process that could help you then call our toll free number or fill out the application right here at to speak to a representative today!

Do You Need a Payday Loan Consolidation?

Unfortunately there is no magic equation that can tell you whether or not you need to enroll in a payday loan consolidation program. Only you will be able to decide that you need some kind of financial help. However, you should remember that because of its typically high interest and penalty amounts, payday loan debt has a terrible way of creeping up on you. What once seemed like an easy balance to pay off can suddenly look impossible. A good way to gauge whether or not you may need to consider a payday loan consolidation is if you are constantly receiving phone calls, letters, and/or emails from the payday loan company or a collection agency.

Overview of the Payday Loan Consolidation Process

With you could be on your way to a payday loan consolidation in no time. Here’s a little more information about the timeline:

  1. Application – Your payday loan consolidation process begins by filling out an online application at This application will ask you for general information about you, your finances, and your current payday loan debt. Next, will connect your information with payday loan consolidation companies in your area for further review.
  2. Evaluation – Then, the payday loan consolidation company will evaluate the information you provided in your application in order to get the big picture. They will want to understand how much your payday loan debt is, who your lenders are, and what sort of interest rates you have currently been given. At this point the consolidation company will open a savings account in your name so that you can begin setting aside a certain amount of money each month that will eventually be used to pay back your payday loans.
  3. Negotiation – Once the savings account has reached a certain balance the consolidation company will begin to negotiate directly with your payday loan lenders in an attempt to lower your payments.
  4. Consolidation – Once the payday loan consolidation company has reached agreements with your various lenders they will estimate an amount of time that it will take for you to pay your debts back. You will then make a single monthly payment to your payday loan consolidation company and they will take responsibility for correctly disbursing it to your payday loan lenders. Once you have completed the payment plan you will be free of payday loan debt and on your way towards financial freedom!

The entire payday loan debt consolidation process typically takes between 6-18 months from start to finish, but will fluctuate due to the amount of debt you have, how much you can afford to pay each month, and how much your consolidation company is able to negotiate on your behalf.

Getting Started With a Payday Loan Consolidation

If you think that you could benefit from a payday loan consolidation then let help! Start by filling out our easy online application to give us the basics of your situation. If you prefer to complete the application over the phone then simply call our toll free number and we’ll have a representative walk you through it. Don’t let payday loan debt weigh you down for another day – let help now!


"Thanks and I have enjoyed my association with you and your company. I would have never been able to do this on my own. Again, thanks for your help." Sandy P.

"My first student loan payment out of many loans was coming up and it was going to put a huge dent in my pocket. But luckily for me I found Apple Debt Care; they really helped me consolidate all my loans and now I only have to make one low payment that I can actually afford." - Eddy A.

"Thank you so much, I appreciate working with you and AppleDebtCare; You have already helped me so much and are continuing to help me get back on my feet and to manage my debt better." Demetrice M.