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If You Are Unable To Pay Off Your Payday Loan

I can’t pay my payday loan. What happens?

Your check is available to the payday lender. The payday lender can cash it by the due date. Your review will be returned if you don’t have enough money in your account. Both your bank and payday lender will charge you fees.

Payday lenders may try to cash multiple checks. The bank will charge an overdraft fee each time the check bounces.

Some government benefits (ExampleSSI (Statement of Social Indemnity) is not ordinarily tarnishable by a debt collector. Different payday loans exist. You authorize the payday lender to withdraw money from your account by writing a check or allowing them to do so. This applies regardless of the type of funds in your account.

The payday lender may send your debt to collections at some point. You may end up owing the entire amount borrowed plus any fees, overdraft charges, or bounced check fees.

  • KashPilot prohibits most internet payday loans or loans from tribal lenders.
  • If you have problems with an online lender, contact the WA State Department of Financial Institutions immediately. (See If the lender is tribal, DFI will not likely be able to assist you.

Can my bank help me?

Perhaps. Talk to your bank representative in person, at a branch, or via a customer service phone. Let the bank know about the situation. Ask the bank if they can reverse any fees or charges resulting from the bounced cheque. Ask the bank to stop automatic withdrawals of payday loan money from your financial institution.

You may stop the payment of the check, close your bank accounts, and open a new one. Contact a lawyer. Please contact us to discuss this option before you try this.

What can I do to get a payment plan from a payday lender?

Yes. Yes.

All such plans must be written. Both you and your lender must sign it.

Your plan must last at least 90 days (3 months) if your loan amount is less than $400. Your installment plan must not exceed 180 days (6 months) if your loan amount is more significant than $400

Is there a charge for the installment plan?

The lender may charge $25 as a default fee if you fail to make a payment as per your payment plan. This will allow the lender to begin a collection of your defaulted loan.

  • Your lender will not charge you any fees for signing up for an installment plan.

Can I cancel my loan?

Yes, but you must cancel the loan (“rescind”) within 24 hours of taking out the loan. The lender must repay you the amount that they have lent you to cancel the loan. The lender must then return or destroy any post-dated checks or cancel any electronic withdrawals from your bank account.

You can cancel your loan at precisely the exact location where you received it.

  • Example: On Tuesday, you took out a payday advance. Later, you decide that the loan is not for you. The payday lender must be contacted again before Wednesday closes. You must return to the lender within 24 hours if the lender is still open.

Information about your rights to cancel your loan should be included in your loan documents. Contact DFI if you do not have the information.

What are the costs of canceling a payday advance?

Lenders should Not Cancel a loan will result in a cancellation fee. You must notify DFI immediately if the lender refuses to cancel the loan or charges you a fee to cancel it before the deadline.

I have a past-due payday loan. Do I pay a fee or take out another payday loan to deal with the overdue payday loan?

No. Payday lenders that require you to pay additional fees to “roll over” your payday loan or make the entire loan due later violate state law. DFI.

KashPilot requires that you first pay off any existing loans before taking out a loan from the lender. Avoid falling into debt by not taking out another payday loan to repay the first.

You might believe that repaying these loans will be simply because they are so easy to obtain. It is possible to get into a cycle of repaying one loan and then immediately getting another to pay for other bills. It is difficult to break this cycle within a single year.

You may end up getting one at each payday to pay off the previous one or pay other bills. You’ll end up paying much more fees and costs than what you borrowed. You can also try the other options we have discussed.

Is it possible for me to cancel my account from a payday lender from taking money from it?

Yes, however, the payday loan company will charge you a fee and likely take swift action to collect the money. You can either give the lender permission for money to be taken directly from your checking account or write a personal check to the lender when you take out a payday loan.

To stop the lender from taking your owes, you must close your checking account. Otherwise, the lender may continue to try to cash the check or withdraw money. This could lead to you being charged bank overdraft fees.

Your payday lender may send your loan to collections. There will be additional fees. The collection agency may sue you for not paying the debt when it is still in groups.
Talk to the manager at the location where you obtained the payday loan to avoid collection actions. Ask the manager if you can pay your debt in installments. Explain this to your manager

  • Your situation.
  • Why you can’t pay everything you owe in one go
  • It is necessary to repay it over several months.

If they agree to let you repay the amount in installments, make your payments on time to avoid collection.

It could be difficult to close an account at one bank and then open a new account. If you owe another bank, some banks won’t open a new one. Contact DFI or the regulatory agency with jurisdiction over the bank that refused to open a new account.

A payday lender sued me. It won a judgment against me. It won. My only source of income is social security or pension. Is the lender allowed to collect?

It depends. It depends. If your only source of money is direct-deposited social security, or the Veteran’s Administration (VA), a judgment creditor can’t garnish your account. These sources are not allowed to decorate your account, exempt from collection.

Even if a creditor has not sued you, it is essential to be vigilant to prevent a payday lender from seizing your income. The payday lender can access your bank account or checks, and it doesn’t have to sue you for payment.

You can end the payday lender’s access and take control of your account. The payday lender may need to close your account and transfer your money to another bank. If you owe another bank, some banks won’t open a new account.

You can change where your automatic deposits are made if you have your VA payments or social security benefits direct deposited to a bank account that you authorize a payday lender to access. Avoid any lender that wants your social security checks to be deposited directly into a lender’s bank account.

Not Mix nonexempt funds with social security or VA money.

Example: A birthday check may be deposited by a family member to the same account as your exempt social insurance funds.

It is impossible to argue that all funds in an account are exempted from garnishment.

You must respond to any lawsuit or garnishment notice if a creditor sues you.

Can the lender threaten to bring me criminal charges?

No. It is illegal for a payday lender to threaten you with jail or criminal prosecution for unpaid debts. A payday lender can threaten to put you in jail or prosecute you criminally if you have not paid a debt. You should file a DFI complaint immediately if this happens.

If payday lenders harass you, such as calling your home or workplace more than a few days per day, coming to work, talking to your children, and so forth, you can file a complaint with DFI.

The lender cannot harass or intimidate you when trying to collect a payday advance. The lender will not:

  • You should contact your spouse at least three times per week.
  • Call me at home between 9 PM and 7:30 AM.
  • DFI can help you file a complaint if you feel harassed by a payday lender while trying to collect your loan. Below are some examples.

I am a military borrower. What are my rights?

Federal law limits the APR payday lenders may charge military families for payday, tax refund anticipation, and auto title loans. Lenders can’t accept checks or authorizations to withdraw money from military families as collateral for loans.

I applied online for a payday loan. The rate charged by the lender is higher than what the state allows. What should I do?

Washington residents are required to have a license from DFI to offer payday loans. This law must be followed by all payday lenders that provide loans to Washington residents. The payday loan cannot be enforced if the payday lender isn’t licensed. The lender can’t collect it.

The payday loan cannot be implemented if the payday lender charges a higher interest rate than KashPilot allows. For such violations, contact DFI immediately.

DFI will not be able to help you if the online lender is a tribal lender.

Can I complain about a payday lender?

Yes. DFI investigates consumer complaints about their experiences with payday lenders.



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Author: Julie Snearl

Editor and writer for over a decade , she has written and edited finance for both national technical and consumer readership, Julia Snearl is the editor for Personal Finance in KashPilot. Her experience in editing business books also includes working as the editor of charts of Ahead of the Curve. More than 3 years' experience in editing content for finance on KashPilot, Julie is interested in learning about how to use digital content to assist people make better financial choices.

Types of Loans We Offer

Installment Loans

Receive your cash and repay it in equal monthly installments. Each payment will include interest, and prepayment is any time without penalty.

Payday Loans

Payday loans online are loans given to people who need money in the short term. Most payday loans are meant for small expenses, such as utility bills or vehicle repairs

Loan Consolidation

KashPilot Offers Loan Consolidation Online for Bad Credit, these are people who can’t manage their loans or can’t repay all the fees and rates (apr) on right time.

Title Loans

KasPilot Offers Title Loans, Your vehicle’s title serves as collateral for a loan you may think of as a secured loan. When you use your car as collateral for a loan


A Payday Loan can be used to cover costs until your next income arrives. Whether you need to pay rent, cover an unexpected medical bill, or purchase groceries, Payday Loans can provide you with the quick cash you require.

You must produce identity, proof of income, a bank statement, and a personal check in order to qualify for a loan. If you do not have a personal check, you can offer a debit card or ACH authorization in several jurisdictions. There is no requirement for personal property to obtain a Cash Advance.

Payday loans are short-term loans owing on the borrower's next payday. Timing is contingent upon your pay schedule.

KashPilot's Payday Loans are accessible to all credit types. When KashPilot evaluates a Payday Loan application, a credit history is among the many elements analyzed.

Yes, Cash Advances are often referred to as Payday Loans. This is a short-term, personal loan that is payable upon receipt of your next paycheck.

State legislation establishes the maximum amount of money you can get through a Payday Loan. In addition, you will qualify for a specific loan amount, within the permissible range, based on your current income.

When evaluating your Cash Advance application, we may use information from third-party data sources to determine your creditworthiness.

Typically, your Payday Loan is payable on your next payday. We provide numerous payment alternatives, including in-person and online payment choices, to make the repayment of your loan easier (varies by state).

KashPilot has assisted thousands of individuals with poor credit by offering a number of financial options, such as Payday Loans, Online Loans, Installment Loans, Title Loans, and Personal Lines of Credit.