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* On your 5th due date your loan will automatically pay down by 5% of the original principal balance plus the finance fee, and will continue to pay down by 5% of the original loan amount in addition to the finance fee on each following due date until the loan has been successfully paid off. nofaxpayday9l.com is not lender, we represent a large network of lenders Overall, if you follow the right strategies, consolidating bad credit payday should not turn out to be a very difficult task for you. If your debt problems are overwhelming, you can also consider hiring an expert credit counselor to assist you with the process. Make sure that the counselor you are hiring is duly approved by the state government.