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Get your payday loan debts under control!


About Us

Consolidate your payday loans and enjoy a good life!

For anyone who is struggling to pay multiple payday loan debts, enjoying a good life is a far-fetched if not an impossible dream. But despair no more. There is hope to become debt-free by availing of a payday debt consolidation program.

The very first thing to do is admit to yourself that you have a debt problem and own the responsibility why you are in this situation. Although, sometimes, admitting that we have a debt problem is the hardest thing to do, it is however, the starting point towards the road to recovery. Recognize the fact that there are personal decisions and habits that were contributory to your financial instability. Admit that changes in these habits are one of the many keys towards attaining monetary stability.

Once your conviction to become debt-free is firm, we can help you pave the way towards a more stable debt management practices, by first and foremost, taking advantage of our payday loan consolidation programs.

Payday Loan Consolidation

Payday loans and any kind of loans are good as long as you can manage the monthly payments. However, when you got to the point wherein you feel like you are working just to pay all the loans including the interests, then there is a need to take action. Payday loan consolidation is the best option there is because it combines all your payday loans into a single amount.

Say for example, you are paying for two credits cards. Every month, you set aside a portion of your paycheck for the payment of these credit card debts. What we can do for you, as our client, is that, we will combine all your balances for both cards and device a single simplified and personalized monthly payment method without interest. Once we take over your account, you can forget that you have to pay two credit card companies and concentrate on just one company, us.

How Loan Consolidation Works?

How we help you to be payday loan debt-free?

Our payday loan consolidation programs is without a doubt the best in the industry because we closely work with our clients to tailor-make a program that is best suited to his or her earning capability. To resolve you payday loan debt we follow these simple steps:

  • First, we consolidate your debt. It is a reality in America that in order to be able to buy certain products, we need to have a good credit standing. In connection we that, it is then inevitable that debts be incurred to create a credit record. Sometimes however, debts, especially payday loan debts, become unmanageable. This is where we come in. We help you take the reins on all your debts and pool it together in just one account.
  • Second, we negotiate with your lenders wherever they maybe within the United States. After we have your account, we will connect with your lenders and see how we can lower your balance due, your interest rates, extend your deadlines and other similar activities. Whatever we have to do, it is always for your benefit.
  • Third, we devise a payday loan consolidation program. After an assessment of your earning capacity and your payday loan debt status, we will make an evaluation and then use the data we have gathered to create a personalized, realistic and achievable payday loan consolidation program.
  • Fourth, we make sure you follow the monthly payment scheme. We would be closely monitoring your progress in paying the monthly payment amount. We are committed to provide you with comfortable and affordable monthly payment amount. We would also encourage you and get your full commitment to stick to the plan.
  • Fifth, we become you payday loan debt resolution partner. A buddy, a partner, a companion… having somebody to turn to in times of distress is a blessing. We may not be there to hold your hand literally, but know that we are working hard to rid you of your payday loan debt.

Best payday loan debt consolidation program for national and greater Los Angeles area is here>

Payday loan debt relief solutions across the nation in almost all fifty states is here>


Frequently Asked Questions

  • Q: Who is Qualified?
    A: If you have $1,000 or more in payday loan debt and are unable to pay off these loans with your current income because of high interest and fees, we will certainly help you achieve the payday loan relief you are looking for.
  • Q: How much will this cost?
    A: Please scroll back to the top and simply fill in the total amount of your payday loan debt in the space provided and we will get you a quote on what the estimated monthly payment will be. This is beneficial for clients who want to get rid of the burden of their payday loan debt as quickly as possible. We offer a 6, 9 and 12 month program to better suit your budget. Please contact us to speak to one of our financial counselors to find out more.
  • Q: Can I be sued?
    A: If you received your payday loans from a storefront lender, yes you can be sued. They are legally licensed to lend in your state and they have the ability to take a borrower to small claims court to recover the money which is owed to them. The purpose of the lawsuit is simply to get their money back. However, most payday lenders would rather not go through this trouble because of the paperwork and legal expenses involved.
    Depending on the program we set up for you, partial payments are usually sent to your payday lenders after you make your first payment. Immediately, your payday lenders will start seeing the loan getting paid back and it will become illogical and unnecessary for them to sue.
  • Q: Can Payday Lenders garnish my wages?
    A: It is possible that your payday lenders can garnish your wages. However, they will have to take your court first, successfully obtain a judgment, and then file a garnishment action. Again, you easily avoid legal action if you are in our debt resolution program.
  • Q: Can Payday Lenders continue to call me?
    A: Immediately after enrollment, collector phone calls will become limited but may not stop completely. Payday lenders have every right to try and contact you in order to collect debt which is owed to them as long as they adhere to the Fair Debt Collection Practices Act Guidelines. As our client, we will provide you instructions on how to deal with collector calls.
  • Q: Can't I negotiate my Payday Loan Debts with the Creditors on my own?
    A: You can certainly try to negotiate with your payday lenders yourself. You first need to have a look at your negotiation skills and understand Payday Lenders are in the business to make money and they only look out for their best interest. It is best to work with a company that has the knowledge and experience required to get you the best results possible. You can truly rely on our expertise to relieve you of any stress associated with your payday loan debt as we assist you on your way to financial independence.
  • Q: Can I cancel the Program if I change my mind?
    A: You can cancel at any time and for any reason. However termination from the program will once again make you liable for your payday loans and we will no longer be able to assist you in negotiations. You will need to make your original payments to your payday lenders as well as the interest that will be started again from inception.
  • Q: How do I apply?
    A: Complete the form online. A debt resolution counselor will contact you and answer any questions you may have and guide you through the enrollment process. You may also contact us at (888) 250-5005 or submit a request through the contact us section.

If you would like to submit your request now, please click here for one of our available forms. If you would like to speak with one of our representatives regarding your needs, please call (888) 250-5005.

Why You Should Decide To Work With Us?

Reasons why you should choose to make us your payday loan debt resolution partner

Paying a multiple payday loan debt is hard. With our commitment to you and for you, coupled with our expertise in negotiating with lending companies of all shapes and sizes, we are the best partners to have to resolve any kind of payday loan debt.

Our payday loan consolidation programs are foolproof. That is why we can guarantee that we can make you debt-free in the shortest time possible. We work hard for you because your success is our success too. We never make promises we cannot keep.

Debt-free life is a good life!

Entrust your payday loan debts to us and we will help you and work with you to eliminate your debts. Because we know that a debt-free life is a good life, everyone deserves to have one. Especially you.

Contact Us

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  • Such a WONDERFUL company!! I was swamped with payday loans. Being an idiot, I would get one to pay off another until I was snowballed with them. I called Payday Freedom to help. I was really nervous at first but they walked me through the process and helped me pay them off at a reasonable amount every month!! I would RECOMMEND them to anyone who has an issue with payday loans!!

    Thanks so much for helping me get these paid off and under control!!

    Posted on 10/27/2011

  • Excellent service!!!

    I just completed my program in January 2013 and I am so excited because this was supposed to be a 12 month program and I actually finished early. Almost one year ago I would not have believed this day would come because I was so stressed out with trying to pay off the payday loans I had. I knew I needed help, but was concerned about falling for scams. I was even skeptical after speaking with Darryl Maxwell, but I trusted him after reading the reviews and he came through for me and now I am payday loan free. Thank you Payday Freedom!!!

    Queita G.
    Posted on 1/25/2013

  • What an awesome experience!!!

    Thank you so much to the team at payday freedom, Ms. Sanches and Mr. Maxwell were very professional and walked me through the entire process. Not only did they settle all of my outstanding paydayloans the entire process which initally was to take 9 months was finished in 7. Payday loans can be a help for short term needs but you can quickly become a victim of a vicious cycle which grows completely out of control. Thank you for all of your help!

    Theresa F.
    Posted on 1/9/2013

  • Wonderful service.

    Wonderful service!!! So nice to work with. They really helped me out of a bad situation. With their help I was able to pay everyone back.

    Kathy P.
    Posted on 1/2/2013

  • You Can Trust Payday Freedom

    A year ago I was wondering how to get out of the horrible mess I had created using Payday Loans. I decided to trust and try Payday Freedom. What a blessing. The guys do exactly as they promise. They are kind and truly dedicated to help you help yourself. They stop the calls and set up a way for you to start over immediately. Email them and find out the solution to your financial bondage. These guys are so nice and reputable.

    Sammie W.
    Posted on 12/30/2012

  • grateful for the service

    obtaining the consolidation loan for my payday loans was the best thing I could have have done, and it helped me get from under in a way that was cost effective for me. I strongly recommed this progream to anyone that needs assistance is paying off their loans.

    Karen C.
    Posted on 12/14/2012

  • great company - highly recommended

    I just had to take the time to write a review about this company. One year ago I was drowning in payday loans - trying to pay them back and getting absolutely nowhere. I searched the computer to try and find a reputable company. I found Payday-Freedom and read up on their company and decided to make the call. That was the best decision I ever could make. The representative at that time walked me through the process of what it would entail and the company took it from there. If I had a question about anything I would receive a response to my email the same or next day.

    I would highly recommend this company to anyone who needs assistance with their financial situation.

    Thank you Payday-Freedom.

    Posted on 12/10/2012

  • Great to Work With!

    Payday Freedom did a great job and fulfilled their promise to get all my payday loans off my back! It was great to turn everything over to them and they take care of the rest! Nothing to worry about! Easy process to get started too!

    William S.
    Posted on 12/10/2012


    I came to Payday Loan Freedom in complete financial collapse because of way too many payday loan. The were more than accomodating because my problems didn't stop when I signed up with them, and I will be forever grateful to them for the help and understanding they gave me.

    Posted on 12/5/2012

  • Payday Freedom - Absolutely 5 Stars! A lifesaver - well, at least a sanity saver.

    After getting myself into a genuinely horrendous situation, thinking somehow I could borrow myself out of debt and "catch up" when my semi-annual bonus arrived, I contacted Payday Freedom on the advice of a friend. What a great decision that was! They worked with me all the way, from initial steps in the process through frequent and helpful responses to all my questions. The result was a payment plan that fit my stretched budget and got rid of the exorbitant rates and fees that were burying me from payday loans. Payday Freedom has my highest recommendation. They did the job for me in consolidation of a huge amount of accumulated payday loan debt. Their system works! D.F. Coffman

    Frank C.
    Posted on 12/5/2012

  • Very Helpful

    Payday Freedom got me out of quite a mess with payday loans. You just do not realize how seriously in debt you can become. Darryl was very helpful and made the process very simple. I highly recommend them!

    Lisa B.
    Posted on 12/28/2012

  • Honest and Non-Judgemental. Best group of guys!

    I just finished my payoff contract. These guys are the absolutely the best. They worked with me from beginning to end. Never judgmental, they only wanted the best for me. Everytime I need to speak to them either by email or by phone, they answered promptly and answered every question. The promises made to me at the beginning, for ex. amount of payment, payoff date, etc were held true. I would like to see more people effected by the predatory practices of payday loans and find themselves in trouble, to be able to contact Payday Freedom. Wow. Not to keep raving but when I spoke to Darryl or anyone else at the company it was like talking to a friend.

    Elizabeth F.
    Posted on 11/27/2012

  • great company

    great company to work with

    ronell h.
    Posted on 11/11/2012

  • Professional and courteous, great folks to work with!

    When you find yourself trapped in the payday loan cycle and realize there is no hope for repaying back. Then Payday Freedom is the solution. They combine all your loans,and you make one easy payment over a period of time. All those harassing phone calls and letters will cease. They are very nice to work with. They will guide you step-by-step and put you at ease. And in time, you will be just like I am today, pay day loan debt free. I definitely give this company a 5 star rating. Once again, if you find yourself in a pay day crisis. I highly recommend you call Payday Freedom. Have a joyous holiday season everyone At Payday Freedom, I know I will do to your excellent service. Once again, thank you so much. Alex B

    Alex B.
    Posted on 11/8/2012

  • What a relief!!

    I just sent in all my paperwork to start the process of eliminating my payday loan debt. I had so many loans that it was taking my full paycheck to pay the fees. I feel like I've had a load taken off my shoulders. Darryl was very helpful and patient in answering all my questions. It was time for a change and I really feel this was the answer I needed!

    Phyllis D.
    Posted on 10/18/2012

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      Creditors are likely to continue collection efforts on delinquent accounts while enrolled in the process. Collection efforts can include phone calls, collection letters, charge offs reporting to the credit bureaus, contracting or selling your accounts to collection agencies or law offices, and lawsuits resulting in judgments by the courts. My Payday Loan Relief is not engaged in the practice of law and does not provide legal services to its Clients. In the event a creditor or debt collector pursues legal action against Client, neither this Agreement nor the Debt Resolution Process includes legal representation. Client acknowledges and agrees that legal services are to be obtained independently by Client and Client is not relying on My Payday Loan Relief in any way for legal advice nor shall My Payday Loan Relief be a party to any claim, arbitration or legal proceeding arising out of the hiring or seeking any legal advice.

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