If you can't repay your payday loan on time: Contact your lender to discuss options like payment plans, due date extensions, or waived fees. Prioritize your debts based on interest rates and penalties. Create a budget to manage expenses and identify cost-cutting opportunities. Seek professional help from a credit counselor or financial advisor. Consider debt consolidation or refinancing, but avoid using another payday loan. Explore additional income sources, like part-time jobs or freelancing. Address the issue promptly, communicate with your lender, and develop a repayment plan to minimize negative consequences.