6574 North State Road 7 #137 Coconut Creek, FL 33073
Mon-Fri: 9am - 9pm


Please fill out the form below for your FREE quote.

We take your privacy seriously

Federated Financial has a

Better Business Bureau rating of A+

Payday Loan Consolidation services can help YOU:

Lower your Monthly Payday Loan Payments
Our services can drastically cut your interest rates/payments.
Stop collection calls for payday loans
We can stop those annoying collection calls at random parts of your day.
Significantly reduce your high interest rates today!
If you are ready to take back control of your debt, we can help!
Avoid Bankruptcy and Legal Escalation
We offer free consultations for our services, and will provide you with a path forward!
Eliminate late fees and over limit fees
We love to eliminate late fees, let us help you today!
Reputable Consumer Education Organization
We have been operating for more than 22 years in this space with an A+ Better Business Bureau rating

Our recent payday loan consolidation reviews:

Mathew Lawrence
Mathew Lawrence

This company helped me communicate with creditors and get out of debt. They reduced interest rates substantially and helped me with my payday loans. The interest rate is now reduced to next to nothing. I am almost completely out of debt and couldn't have done it without Federated.

Lexi Paige
Lexi Paige

Used them to consolidate payday loans. I had 6 loans out and 5 of them immediately stopped charging me interest once I signed up. The 6th, Loan at Last, wanted initially more per month than I could afford, but they were able to get them to take less and keep me from collections til one of my other accounts paid off. Then they were able to offer the freed up funds in addition and LAL accepted and also stopped the interest til it was paid. Was never going to be able to pay them all off on my own with my other expenses.

Yolanda D
Yolanda D

I wanted to wait to post this review until I completed my payday loan consolidation program.. I am now debt free! The program was very easy and affordable. My enrollment rep. (Michelle) made the process easy and made me feel comfortable which meant SO much since I was scared and embarrassed about my debt. The customer service I received during my program was outstanding. Thank you again!

Mike M.
Mike M.

I used this company many years ago in 1999 after I graduated since I racked up a lot of credit card debt in college. I Recently, I had some bad luck and put myself into some debt again. I took out a few of those online payday loan/ installment loans. I realized I was paying back the loans at 500% interest! I went online to see if possibly Federated was still around. I was so happy to see that they were still in business after all of these years! I just signed up again and as always they are always there to answer the phone and help. My interest rates are at now at 0%!!! Thank you! I can't wait to get this done!

Debt Consolidation Company

Have you ever thought about working with a Debt Consolidation Company? Payday Loan Consolidation Programs can help you with your finances starting today. High Interest rates charged by your lenders, can consolidate into one low monthly payment, while eliminating completely or seriously lowering all interest fees. This will also help to stop those harassing telephone calls and letters you receive in the mail as a professional debt consolidation team can take care of everything. There is really nothing to lose, enter your details today and find out what Our partner companies offer you with our Payday Loan Consolidation Services. If your credit allows, consider applying for a credit card and transferring your balances or obtaining a cash advance.

Debt Consolidation And Your Attitude Towards Money, The way you deal with your money on a daily basis can impact your life for years to come. Our partner companies show you that sound financial practices do not always require “doing without.” With financial education and planning, you employ learned skills to do so much more with what you have. When you are able to manage money efficiently, you can budget for emergencies, vacations, a new baby, holidays, college, a home, a car, or retirement.

Payday Loan Consolidation

The thought of quick cash has lured many desperate people into taking out predatory payday loans. Then the vicious cycle begins: even if you manage to pay off the loan, new bills pile atop old bills and another payday loan has to be taken out for the next pay cycle… Add origination fees and rollover fees, and suddenly you are in a world of hurt.  This can stop today; You can take back control of your debt with Payday Loan Consolidation programs. The way you deal with your money on a daily basis can impact your life for many years to come. Our partner companies can show you that sound financial practices do not always require “doing without, or giving up.” All unsecured loans (loans without collateral), still tend to be higher interest than many alternatives with collateral.

A strong Debt Consolidation Program can help you with your finances. We Understand the financial stress of illness and unemployment. In other words, you maybe able to sleep a little bit better at night, knowing that you have the power to control your financial future with one of the many Debt Consolidation Programs our partners have for you.

How Payday Loans Work Across the United States.

How do Payday Loans Work Across the United States, First let’s look into what Payday Loans are and how the laws change depending on your state. Payday loans are short-term cash loans often used for bills between paychecks. The concept behind the payday loan businesses is to offer short-term (often referred to as stop-gap) loan(s) to currently working customers when an unforeseen expense appears. These types of loans vary in amounts between $100 and $1000, depending on the laws in your state.

Usually, the borrower writes a check to the lender once they receive their paycheck. This payment will include the total amount of the initial loan along with the fees for borrowing the funds. The lender will then hold onto this check and agrees to cash it on the borrower’s requested date which is often a day or two after they will receive their paycheck. In a basic outlook, a payday loan can serve as a massive help to those caught between paychecks… However, most payday loan interest rates are generally over 400% some reaching 600% or even 700%. Many first time payday loan customers are completely unaware of the immediate financial dangers, once completing the process for their payday loan.

There is good news for those in a select amount of states in the US. A total of 15 states have either banned payday loans completely or capped the interest rates. The other states leave their residents free to be exploited by lenders for extremely high interest fees. You would feel with the vast competition

between payday loan lenders this would drive down the fees, however each lender often chooses to charge the maximum rates allowed in their respective states.

find out about payday loans in your state

How Payday Loan Consolidation programs work:


Create Plan

We contact your payday loan lenders and have them agree in most cases to reduce your interest rate to zero.


How it Works

Each monthly payment you make is disbursed to your creditors at a greatly reduced interest rate.


Pay Off Loan

You will be able to payoff your loan through our company in a shorter period of time without paying up to 600% Interest.



PIF (Paid in full) your payday loan is paid in full! No more Creditor Calls or High Interest = Financial Freedom!

Help for Payday Loans

Help for your payday loans is here, FederatedFinancial.com has been helping Americans consolidate their payday loans for over 20 years. Many times payday loan interest rates can soar above 600% depending on your state. Fill out the form above to learn about what options are available and how quickly you can become debt free.

We’re a trusted payday loan consolidation company currently rated A+ with the BBB, specializing with consolidation of payday loan debt.

Payday Loan Relief Benefits

Many people fall victim to the vicious cycle of payday loans. Trying to break the cycle on your own isn’t always an easy process and can make you feel overwhelmed. However, a payday loan consolidation company offers a variety of benefits and can give you much-needed peace of mind in helping you navigate your finances.

payday loan relief debt

Interested in learning more? Here are a few of the main benefits of getting payday loan relief.

#1 Simplify the Process
One of the main benefits of payday loan relief is that you can combine multiple payments into a single payment. Paying one bill per month is much easier compared to managing multiple bills. This can save you a lot of time and stress from trying to pay and manage multiple bills on your own.

#2 Reduce Overall Interest Rate
Another advantage of payday loan relief is that you can often reduce the overall interest rate. A payday loan consolidation company will negotiate a lower overall interest rate for your entire loan. Over time, this can save you a lot of money and put more cash in your pocket.

#3 Stop the harassing Phone Calls
Trying to handle all of your payday loans by yourself is never easy and can cause you a lot of unnecessary stress. Once you hire a reputable payday loan consolidation company that can stop the harassing phone calls, you can start to return to your normal life.

#4 Get Out of Debt
Payday loans can make it difficult to get out debt and can cost you a lot more money in the long-term. However, you can get out of debt once and for all by using a company that offers payday loan assistance.

#5 Break the Cycle
A great advantage of using a payday loan assistance company is that it can play a key role in helping you break the cycle of continual loan payments. Breaking the cycle will allow you to set up a budget and stay out of long-term debt while helping you gain control of your finances.

#6 Stay out of Debt
Staying out of the endless payday loan trap is crucial to taking back control of your finances. Getting out of debt is going to be the first step. Federated Financial can help! Contact us for a free consultation and personalized payday loan consolidation plan!

Partnering with a payday loan assistance company offers numerous benefits and can play a vital role in helping you stay out of debt. Our staff members are always happy to assist you and answer any of your questions. Feel free to reach out to a payday loan assistance company today to learn more about our financial services!


Eliminate my payday loans

Any service that can reduce your interest rate from between 200 and 700% down to 0% is doing a great job. Payday loan consolidation is absolutely the way out! No one likes dealing with debt that they feel is insurmountable. That’s why over 12 million people turn to payday loans every year as a way to pay down their other debts or pay an unexpected expense. If you find yourself in this situation, know that there are ways to dig yourself out of this hole. Below will show you ways that you can attack this debt and get out from under it once and for all.

What Will Happen If I Don’t Pay My Payday Loans On Time?

Defaulting on a payday loan can get you paying exorbitant fees, late fee penalties, and other types of legal actions taken against you. Most payday loan lenders take the money you owe out of your bank account every pay period. If you don’t pay the amount you owe, you could also end up with overdraft fees that you can’t pay. Getting in this situation means that you won’t be able to pay for required expenses such as childcare, transportation, or utilities. On top of everything else, you would have to deal with harassing calls from payday loan debt collectors.

Getting Out of Payday Loan Debt

If we look at the interest alone, you can see that using these loans should be a last resort. For example, if you were to borrow $1000 and had an APR of 25.99%, your interest in 30 days would be approximately $22.31. That is because these types of loans use compounded daily interest. While this amount may not seem like a lot realize that a 25.99% APR from a payday loan company is not happening. Most have interest rates up to and including 200%-700%. Now do that same math using an APR of 200% and in one month you are paying $178.14 in interest, and that’s not even paying toward the principle borrowed. Yes, 200% APR is ridiculous, but since the same laws do not govern payday loan companies like banks and other lending institutions, they can get away with their loan shark type interest rates.

That is why states like North Carolina have made it illegal for payday loan companies to operate within their state, to protect their citizens from unscrupulous lending practices.

eliminate my payday loans


should I consolidate my payday loans

Debt Relief from Payday Loans

Looking for debt relief from your payday loans, hire a payday loan consolidation company! Let Federated Financial, a proven payday loan consolidation company help you with debt relief from payday loans today! When you consolidate your payday loans into one simple & many times interest free monthly payment, you’ll make a single monthly payment to repay your debt fast.

You are easily able to negotiate with your current payday loan lenders and work to get them to give you relief. Many times a reduction of your outstanding amount(s) owed or with a reduction of interest you will pay on your existing payday loan(s). It’s important to know the payday loan consolidation company you chose will reach out to your payday loan lenders. Our trusted payday loan consolidation company has over 2 decades of experience consolidating payday loans.

About Federated Financial

Our goal is to teach consumers everywhere how to understand and manage debt so that they can achieve and maintain financial security. We understand the important monetary issues and challenges life can send your way and we are here to help. Our free community outreach programs, which include public seminars, walk-in clinics, newsletters, and on-line materials, give all of our visitors the ability to understand how credit works; how to overcome financial obstacles; and how to achieve important economic goals.

Federated Financial has worked hard to ensure that local and on-line communities receive the very best possible level of care and support possible. Our counselors, customer service representatives, and creditor relations specialists are certified as credit counselors by the independent National Institute for Financial Education. This third-party certification consists of a rigorous exam, and mandates a demonstrated knowledge of current consumer credit issues, creditor practices, and wise money management. Additionally, all counselors are required to participate in our Continuing Education program, which consists of study materials and exams covering a wide range of relevant topics such as recent and pending legislation on credit reporting, collections, consumer protection, disability, bankruptcy and social security. Our counselors are also required to review the latest data on such subjects as consumer spending, unemployment and retirement planning.

Federated Financial a preferred Payday Loan Consolidation company:

Since 1998, our company's focus has always been education, protection, confidence and satisfaction and Federated Financial a payday loan consolidation company is A+ rated by the Better Business Bureau. All counselors working with Client debts have been certified for Credit Counseling and have at least 10 years experience in the field.

To further assure quality performance with superior client and creditor relations, Federated Financial partners with 501 (c)(3) non-profit agencies, to administrate the processing and facilitate lender relations for our Clients' repayment programs.

Whether you require debt consolidation or one of the many ways to achieve a debt free life, Don’t wait any longer and contact us today!

You can use our trusted Payday Loan, Credit Card,
& Medical Debt Consolidation Programs to become free from debt.