If you know you will be short on the due date, act before it passes. Early action keeps fees down and protects your bank account.
1. Contact the Lender First
Ask about an extended payment plan. Some states require lenders to offer one at no extra fee, and many lenders will work with you if you ask early.
2. Do Not Borrow a New Loan to Repay the Old One
Rollovers and repeat loans multiply the cost. Florida bans rollovers outright, and many other states restrict them.
3. Protect Your Bank Account
Federal rules limit repeated withdrawal attempts after two consecutive failed attempts unless you give new authorization. You can also ask your bank how to stop or limit automatic debits, and about overdraft fees.
4. Make a Plan for the Whole Budget
List essentials first: housing, utilities, food, transport. Pay those, then split what remains between debts.
5. Get Free Help
Nonprofit counselors at nfcc.org can help you build a plan. Your state regulator and the CFPB at consumerfinance.gov/complaint take complaints.
Prevent It Next Time
Borrow less than you think you need, and only if you can repay from the next paycheck. See our FAQ for more.
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Use the secure form below. If approved, you see the fee, due date and APR before you accept. Approval is never guaranteed.
Cred Qualify does not guarantee approval. Loan availability, amounts, fees and terms vary by state. Payday loans are meant for short-term needs and are not a long-term financial solution.