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


Please fill out the form below for your FREE quote.

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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:

If you are looking for a company that can prove results and their credentials ( I reaserched in detail before calling ) Federated Financial is a great choice . They have been in business for 20 or so years . They helped me to get out of debt quickly and my monthly payment was managable and it was half of what my loans required from me every month before I called to get help !
Thank you !

(click to see review)

I was so happy to use this company . I was nervous at first . They are very responsive to calls and emails . All of my accounts were paid in full and did not go into collections . I saw my payments on my statements every month ! Thank you Federated!
Thank you !

(click to see review)

I was in need of consolidating my loan debt and wasn't sure where to turn. I hadn't heard of a payday loan consolidation company until now. I found them to consolidate my credit card debt. Michelle was extremely helpful and always took the time to explain the options and help me make an informed decision. This was a few years ago and I am happy to say I am now worry free about my Credit Card Debt, Thanks to Federated Financial!

(click to see review)

I was curious about consolidating my loans/debt and contacted Federated Financial. Their staff took over 20 min to help me understand my options and inform me about how they could help me. They said it wasn't an overnight solution but did say they would work diligently to ensure I paid the lowest amount possible in interest from this point forward. Thanks for taking the time today and look forward to resolving my debt problems.

(click to see review)

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, 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.

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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.

How to get out of payday loan debt

  • 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.

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, has been helping Americans consolidate their payday loans for over 20 years.

Can I consolidate my payday loans?

When you consolidate your payday loans into a personal loan or low or no interest monthly payment with consolidation, you will start to repay your debt faster than ever before. Your new monthly payment stays the same until you've paid off the loan in full, but at a reduced or zero interest rate. This will save you time and money each month.

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.