Want some advice on how to pay off payday loans? You came to the right place. We’re sharing what you need to make responsible choices.

Taking out a payday loan can help you pay off bills in the short term.  If you want to pay off payday loans in a timely manner, you need to have a good plan.

If you’re ready to start making payments, make sure you follow these simple tips.

Use payday loans the right way

Payday loans are designed for people that need money for small emergencies or a short term investment.

They may need to make a car repair, fund a new business, or handle some other unforeseen problems.

They’re also for people with a steady source of income.  That’s why they’re called “payday loans”, ideally you should be able to pay them off with a paycheck or two.

If you’ve been using them to fill in income gaps, you’re going struggle to pay off payday loans.  They’re meant to be a temporary fix for a problem you’ll be able to solve in short period of time.

If you use payday loans responsibly, and you won’t have issues paying them off.

See if you can consolidate

Do you have more than one payday loan you’re trying to pay off?

Are those loans all from the same company?  If so, you may be in luck

If you have multiple loans from the same lender give them a call to see if you can consolidate your loans.  Some companies are willing to give you a new and more manageable monthly payment plan if you can combine loans.

Don’t fall behind

We know how difficult it can be to keep up with payments when you’re struggling to find money month to month.

It may be tempting to forgo one or two payments because you feel that you can’t afford it.  The truth is that you can’t afford to miss a single payment when you want to pay off payday loans.

Late fees can be very high, and will just make it more difficult for you to completely pay off your debt.  Neglecting to make your monthly payment doesn’t just delay the inevitable, it also puts you deeper into debt.

Even if you can only make the minimum payment, you should be doing whatever you can to get out of debt.

While we’re on the topic of minimum payments, we should mention why you should…

Go beyond the minimum balance when you pay off payday loans

Paying the minimum balance will ensure that you won’t get hit with late fees, but it won’t help you get out of debt any faster.

If you only pay the minimum balance every month, you could end up paying more interest.  Remember you don’t just want to pay off your payday loans, you want to pay them off as fast as possible.

The easiest way to do this is to try to pay more than the minimum balance.  It doesn’t have to be a large amount every time. Something as small as an extra $5 or $10 can help.

You should also do what you can to make extra payments when you can manage it.  There are no rules that state that you can only make one payment a month.  If you can handle making multiple payments a month, do it.

Automate your payments

You may be good with remembering when certain bills are due.

When you want to pay off your payday loans, it would be best if you go the automatic route when it comes to payments.

An automatic payment will ensure that your payment is never late.  Falling even a day behind can make it more difficult to fully pay off your loans.

If you automate payments you won’t even have to think about making them, they’ll be done without a problem.

There’s also the added benefit of making sure that your funds are going to your top financial priorities.

Let’s face it, sometimes we can feel like treating ourselves a bit once we see money in our bank accounts.  If you’re dealing with a payday loan you may not be able to afford extras.  Having the money taken out immediately will help you fight that temptation.

Cut down on extras

Now seems like a good time to talk about the benefits of cutting down on non-essentials when you’re trying to pay off payday loans.

Some of the small things you spend money on may not seem like they cost you much money.  A $3 coffee in the morning isn’t breaking the bank, but the $15 a week and $50+ you spend on coffee a month could be better spent paying off your balance.

Think about what you absolutely need to get buy every day.  Once you focus on the essentials, you may notice that you’ve accumulated a lot of unnecessary expenses.

Find alternative sources for money

Your current paycheck may not be able to give you the money you need to pay off payday loans.

That’s why you need to get creative and look for different ways to pay it off.

Do you have a video game system you have used for awhile?  Are there some nice clothes you haven’t worn in awhile?

Put them on Craigslist and see what you can get for them!

Selling off extra items can help you pay off your loan fast, and gives you the added bonus of decluttering your home.

Don’t pay off debt with more debt

Some people that are desperate to pay off their payday loans may try to use a credit card to handle payments.

Others will take out another payday loan to pay off payday loans.

Your payday loan payments should come out of your bank account, not another debt source.  Only pay them with money you have, not funds you’ll have to pay back in the future.

Break the cycle

Now that you’ve paid off your payday loans, there’s only one thing left to do.

You need to start saving responsibly so you can have your own emergency fund.

Payday loans are great for unexpected emergencies, but your own savings account would be even better.

You’ve already cut down on extra expenses and started selling off what you don’t need.  Keep that money momentum going and build your own savings.

Your story

We’ve given you some ways to pay off debt, but we want to hear your side of the story.

Have you had to pay off payday loans?  Do you have questions about different kinds of payday loans?

Let us know in our comments section!


53 thoughts on “9 Tips to Help Pay Off Payday Loans

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