Ask for a repayment arrangement
Ask the payday lender for a suitable repayment arrangement (based on what you can afford) and have it confirmed in writing.
Don't agree to make repayments you can't afford!
If the payday lender refuses a repayment arrangement, continue to Step 4.
Payday lenders must obey the law
By law, payday lenders must ensure that you're able to repay a loan without incurring substantial financial hardship. Refer to Know Your Rights below.