Can I only consolidate if payday lending is legal in my state? Got 3 pdls online which never seems to end. Can't I combine them to have a plan with small payments?


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If the loans are illegal, why would you even want to pay for all of it? Just pay the principal amounts on the loans and be done with it. And, if you have already paid off the principals for your 3pdls, you can stop paying immediately.

But, at the end of the day, it's your decision. Yes, you can consolidate if you want. Depends on a lot of factors though – the state limits on payday loans, whether you do it yourself or through an agency, whether the agency agrees to do payday loan consolidation (since it's illegal) etc.

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