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+

Use a Trusted A+ Rated by the BBB Payday Loan Consolidation Company

Payday loans are a pervasive problem in this country right now. How doest Payday Loan Consolidation work?.. It's simple, you contact us, we contact your creditors, establish reasonable monthly payments you can afford, complete the program and get out of debt fast! Our Payday Loan Relief program negotiates with your creditors to lower your current interest rates and/or balances! Federated Financial a payday loan consolidation company works with certified counsellors who will review your current situation and provide the best possible financial strategies! When you utilize our trusted payday loan consolidation programs you'll receive the benefit of combining all of your unsecured payday loan debt into one zero interest monthly payment you can afford. Payday Loan Debt doesn't have to overwhelm you, take the first step by contacting our representatives and start on your path of becoming debt free today!

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

Can you consolidate payday installment loans?

You are able to consolidate any of your installment loans into (1) one monthly payment. For most people you can drastically reduce your monthly payments. Regardless of your current financial position, most people benefit from the ability to receive lowered interest rates or eliminate them completely. When you consolidate all of your installment loans into (1) one monthly payment your debt is able to be paid back at a faster rate, without the hassle of carrying multiple payments in one month.

Who are the Best Debt Consolidation Companies?

Who are the Best Debt Consolidation Companies? We believe that we are the best payday loan consolidation company but don't just take our word for it... Federated Financial is A+ Rated with the Better Business Bureau. We've been in business for over 23 years consolidating payday loan debts and working with your creditors. We have developed great relationships with your creditors that allow us to negotiate your debt reductions and/or interest. This without a doubt removes the various pains you face when battling your creditors alone.

How to get out of payday loan debt?

The next question I have is how do I get rid of payday loans legally? We work for you, the client, We don't work for the creditors. Fill out the form of the top of our page or call the number on the top of our page. These are all creditors that we have worked with for various Debt Consolidation over the years, Bank of America, American Express, Wells Fargo, Chase Bank, Citi Bank, Discover, CapitalOne, Synchrony, US Bank, OneMain Financial, CreditOne, and many more!

  • Review all of your debts together.
  • Prioritize the highest interest debts.
  • Request an extended payment plan.
  • Refinance with a personal loan.
  • Hire federated financial for debt consolidation.
  • Look into payday loan debt assistance.
  • Borrow from your current support network.

Are Consolidation Loans a Good Idea?

Whether you're consolidating your debt or a payday loan it's a good idea to use a trusted company. Your financial situation or the type of unsecured debt being considered may depend on the best route to take. Consolidating debt with a loan can reduce your overall monthly payments and provide relief to a vicious cycle by the lenders.

Can I consolidate my payday loans?

We are asked on numerous occasions "can I consolidate my payday loans"?We work with almost all payday lenders in this country. Consolidate your payday loans at an interest rate that almost always becomes 0%. It's not magic when you deal with an old established company. Rated A+ with the BBB. We work hard, we do our job. We will help you get out of debt.

What can you put in debt consolidation?

Debt consolidation is the combination of multiple unsecured debts, these may include payday loans, credit cards, & medical bills into one monthly bill. Our services can drastically cut your interest rates/payments. With a lower interest rate, lower monthly payment and a custom while also simplified debt-relief plan, you will be on your way to becoming debt free. Help for your payday loans is here, FederatedFinancial.com has been helping Americans consolidate their payday loans for over 20 years.

What happens if you dont pay your loans?

If you don't make your payments on time and your loan goes into delinquency status. The financial institution that made or owns your loan, your loan guarantor, and/or the federal government may all take action to recover the money you currently owe for your loan debt.

What is the Interest on a Payday Loan?

What is the Interest on a Payday Loan? There is no logical pattern as to the exact amount you will be charged when getting a payday loan. It will certainly be higher than a loan for an automobile or home, lenders will align interest based on the amount of risk they assume. Take a state like Missouri. Missouri has an interest rate cap of 75% compounded daily. Over a year, a $500 payday loan would cost up to $1,057.69 in total to pay off. Do the math. By the way, that’s low end of the spectrum. Interest rates can run up to 700% annually depending on the paperwork you sign.

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!

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 respected 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!

Get Debt Relief from Payday Loans

Looking for loan relief from your current payday loans, hire a qualified 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.

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!


Will Payday Loan Consolidation Work?

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 Consolidate My Payday Loans?

If you end up 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 my 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
You can use our trusted Payday Loan Consolidation
Programs to become free from debt.

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.

Latest News More news