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They will, for no charge, help you to negotiate a fair interest rate and/or consolidate your loans.If you're nearing the date when your payday loan needs to be repaid, but are short on cash, ask the company to give you an extension. Some companies can extend your due date by a day or two. Although, you will be charged an additional fee.Keep in mind that you have certain rights when you use a payday loan service. If you feel that you have been treated unfairly by the loan company in any way, you can file a complaint with your state agency. This is in order to force them to abide by any rules, or conditions they fail to live up to. Always read your contract carefully. So that you know what their responsibilities are, as well as your own.The term of most paydays loans is about two weeks, so make sure that you can comfortably repay the loan in that time frame. Failure to repay the loan may result in expensive fees, and penalties. 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