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A payday loan is a small, short-term loan, ranging from $100 - $1500. It gives an alternative, so the consumer doesn't have to borrow money from family and friends, deal with bouncing checks or give his/her personal property as a security deposit.

Consumers prefer payday loans to face small, unanticipated expenses while avoiding costly bounced-check fees and overdue payment penalties.

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The borrower writes the lender a check for the sum of the loan plus the lending fee.The lender gives the borrower the requested advance and the borrower consents to repay the loan on the next payday.

On payday, the borrower has the option to pay the loan amount plus the money charge, or in a number of cases, expand the loan by paying just the finance charge and writing a new check.

If you are in a financially strained situation, payday loan debt consolidation or payday loan settlement may be a great solution for you. In case you have multiple payday loans and you are unable to pay them on time, payday loan consolidation would help you pay them off on time. Payday loans are usually charged with very high annual interest rate. So, getting in default is quite a natural scenario with this type of loans. But, if you consolidate them all, you could have a better handle on your debt burden.  

If you default on your payday loan account, you may get a 30 days grace period. But if you consistently default on subsequent payment, your interest rate will be skyrocketing. Therefore, you will find that the interest rate surpassing the original term of your agreed rate of interest.  

In many cases, people do a blunder when they try to repay their existing payday loan debt by availing another payday loan. But this may prove to be disastrous for them. In order to pay off the first payday loan, they lag in their second payday loan payment. So, you have to check the temptation of taking multiple payday loans. You may get them in an easier way as payday lenders do not require you to show high credit score. This type of loan is very easy to access. But this same thing can trap you into the vicious cycle of debt forever.  

However, if you have multiple unpaid payday loans, you could get perfect solution by payday loan debt consolidation. This way you could chip away your total amount of monthly payment amount and pay them off through an extended period of time. Depending on your financial situation and your preference, you could also opt for a speedy debt relief solution through debt consolidation program.  

If you enroll in a debt consolidation program, the consolidation company will deal your case on your behalf. They will take all your concern upon their head and negotiate your creditors to arrange an affordable repayment plan for you.