Payday Loan Consolidation to Lower Your Monthly Payment
If you're juggling multiple payday loans, we can help you get it under control
You're not the first person to end up here. Most of our clients came to us with two, three, sometimes five payday loans running at the same time — different lenders, different due dates, different amounts being pulled from their account every week. It gets to a point where you can't catch up no matter what you do. That's exactly the situation our program is built for.
We've been helping people consolidate payday loans since 2007. Over that time, we've worked with just about every type of lender out there — online lenders, tribal lenders, storefront lenders. We know how they operate, and we know how to negotiate with them on your behalf.
What payday loan consolidation actually does
When you consolidate your payday loans with us, we take over communication with your lenders. That means the automatic withdrawals stop, the daily calls stop, and you stop living paycheck to paycheck just trying to keep up with fees. What replaces all of that is one fixed monthly payment — an amount we work out with you based on what you can actually afford.
The goal isn't to move your debt around. It's to give you a clear, manageable path to paying it off — with a real end date you can see from day one. If a structured payoff plan isn't the right fit, we can also walk you through payday loan relief options.
Why rolling over keeps making things worse
The Consumer Financial Protection Bureau found that more than 80% of payday loans are rolled over within two weeks. That's not a coincidence. Rollovers are built into how these loans make money. Every time you roll over, you're paying a fee to buy yourself two more weeks — and the original balance hasn't moved at all.
Our program is designed to break that cycle. Instead of another rollover, you get a structured plan that actually reduces your balance every month.
What you can expect when you work with us
- One monthly payment. We consolidate everything into a single amount due on one date. No more juggling.
- We deal with your lenders. You don't have to make any more calls or handle any more negotiations. That's on us.
- Lower payment than you're making now. In most cases, clients end up paying significantly less each month than they were paying across all their loans combined.
- A payoff date, not just a payment. You'll know exactly when you'll be done — something a rollover will never give you.
- No upfront fees. There's nothing to pay to get started. Your first payment goes toward your debt, not toward us.
A little about us
We have been working with payday loan borrowers since 2007. We've built more than 4,000 verified customer reviews over that time, and we currently serve clients in 47 states. When you contact us, you're going to talk to a real person — someone who actually works cases and knows the industry, not a chatbot or a call center script.
Consolidate My Payday Loans is operated by Solid Ground Financial, a debt relief company helping consumers since 2007. When you reach out, you work directly with our in-house team — the same negotiators who handle every case from start to finish.
See what we can do for your situation
Getting a quote is free, takes a few minutes, and doesn't require a credit check. Most clients have their payment plan set up within 24 hours of their first call. If you're ready to stop guessing and start making real progress, fill out the form above or call us directly at 877-785-7817.
How consolidation helps you get out of payday loan debt
When you’ve got several payday loans landing on different days, protecting your paycheck feels impossible. Consolidation pulls all of that into one plan — fewer lenders to deal with, one payment to track, and a real path out.
Why it beats rolling the loan over again
Payday loans look manageable at first, but every renewal quietly adds to what you owe and the stress that comes with it. If you keep rolling loans over or taking new ones to cover the old, consolidation is the exit — not another lap around the track.
Before you pick any consolidation program, look at the APR, how long you’ll be paying, the total cost, and whether the monthly payment actually fits your budget. The best option isn’t the fastest one — it’s the one you can realistically finish.
Consolidation vs. rolling over your payday loans
A rollover just keeps the cycle spinning — same debt, more fees. Consolidation trades all those scattered due dates and repeat charges for one structured payment you can plan around and actually pay off.
State pages and payday loan laws
Rules vary by state, and eligibility may depend on where you live. Review our State Availability page, read the Payday Loan Laws by State guide, or jump to common state pages like Texas, California, Florida, Ohio, Illinois, and Missouri.
What consolidation does for you
Most people come to consolidation for the same reasons: less pressure each month, a simpler budget, and a clear way out of payday debt.
One monthly payment
No more chasing due dates. One payment a month, one date to remember — that’s it.
Pay less each month
Most clients end up paying less than they were across all their loans combined, which leaves more in your pocket.
Less stress
Fewer bills to juggle means a lot less of that money anxiety hanging over your week.
Your paycheck is yours again
Your whole check stops disappearing into loan payments, and you get back some control over your own money.
Save money over the long run
In a lot of cases, consolidating means a lower overall payoff — so more of what you earn stays with you.
Why Trust Consolidate My Payday Loans?
Consolidate My Payday Loans has helped people deal with payday loan debt since 2007. We take the time to walk you through your options and lay out the realistic paths forward before you ever fill anything out.
Important disclosure: Consolidate My Payday Loans is a brand of Solid Ground Financial, LLC. We are not a lender, and we do not sell your information to third parties. Individual results vary and are not guaranteed.
Ready to take the first step?
We’ve helped people break the payday loan cycle since 2007. Enrollment takes about 5 minutes, and there’s no obligation — just a simple first step toward one manageable monthly payment.
Start EnrollmentFrequently Asked Questions
What are the direct benefits of consolidating payday loans?
Consolidating payday loans combines all balances into one lower monthly payment, stops lender ACH withdrawals, and can reduce the interest and fees you’re paying. Many clients complete their program in roughly 12-24 months, though timelines vary. There are no upfront fees, and enrolling does not require a credit check.
How do payday loans work across the United States?
Payday loans are short-term, high-interest loans typically due on your next payday. Interest rates often exceed 200-700% APR. Rules vary by state - some permit them, some restrict them, and some ban them entirely.
How do you eliminate payday loans with a consolidation program?
You enroll in a consolidation program, which contacts your lenders, stops ACH withdrawals, and negotiates new repayment terms. You make one monthly payment to the program instead of multiple payments to individual lenders.
What is the cost of maintaining long-term payday loans?
Every rollover adds fees and interest. A $550 loan at 340% APR can cost over $1,100 when paid over 12 months. Consolidation typically stops interest from accruing once you enroll.