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Manage payday loan debt

Payday loans are designed to be quick and easy – but when that debt builds and you’re struggling to stay afloat, it’s anything but. We’re here to help you find the best debt management solution for your needs.

Why do people use payday loans?

Payday loans offer smaller sums of money with a quick application to help avoid financial hardship ahead of payday

Fast application

Payday loans offer smaller sums of money with a quick application to help avoid financial hardship ahead of payday.

Plug the gap

Payday loans appear to offer an easy way to pay bills before your paycheck comes in.

Easy Repayment

Users assume they’ll be able to pay the small sum back as soon as they get paid.

Emergency costs

Many Australians turn to payday loans to cover short-term emergency costs like medical bills.

How payday loans cause financial hardship

Every day, we work with ordinary Australians who are struggling to repay their payday loans.

High interest

Payday loans often come with notoriously high interest; most users plan to repay quickly and assume this isn’t a problem – but it is.

Excessive charges

There are often many hidden fees and charges with payday loans – fees you might not be aware of when you first sign up.

Debt cycles

When they can’t repay their loans on time, many Australians resort to ‘rollovers’, which compound fees/interest and increase overall debt.

Revive process

Overcome payday loan debt cycles

Revive Financial offers a proven, trusted pathway to payday loan debt cycle recovery, along with your other unsecured debts:.

Submit application

In submitting your free assessment, your Success specialist will determine the best debt management solution for you based on your circumstances.

Implement solution

Work with your personal Success Specialist on your solution to rebuild your finances and improve your position.

Regain control

Begin the path to taking back control – with ongoing non-judgmental support every step of the way.

Explore debt solutions for your situation

Improve your financial situation with our debt solutions.

Revive Temporary Hardship Plan

Fast and effective debt relief for your personal debts with our tailored 3-month solution.

Part IX (9) Debt Agreement

A Part 9 Debt Agreement offers a legal, binding solution to tackle personal debt.

Informal Agreement

Tackle hardship with an Informal Agreement debt management solution, negotiated with creditors.

Debt consolidation

Swap expensive loan repayments for one single, affordable consolidation payment.

Want to learn more?

Explore our Knowledge Centre guides to learn more about payday loans and other services.

See if a debt solution could help you

Find out your options with our debt consolidation calculator

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Debt type
Debt amount
Interest
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Your results

Debt management solution
$0
per Month
3 year term
Subject to eligibility and can be extended to a 5 or 7 year term dependent on individual circumstances.
Debt consolidation loan
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per Month
5 year term
Subject to eligibility and a customer’s financial circumstances.
Current repayment
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per Month
Case studies

Real stories from real Australians

Essential advice for navigating debt after job loss

Learn what to do – and what to avoid – when looking for short-term debt relief like a payday loan.

What you should do
What you should avoid
Need urgent funds?
Explore all lower-cost options first
Relying on payday loans as first choice
Can you afford repayments?
Check full repayment cost and timing
Borrowing without a clear repayment plan
Comparing options?
Review fees, rates, and terms carefully
Accepting the first offer without comparison
Short-term cash shortfall?
Use only for essential expenses
Using for non-essential spending
Existing debts?
Consider impact on current obligations
Adding more debt when already struggling
Why choose Revive Financial?

Australia’s top provider of tailored debt solutions, here to help you take back control.

4.9 / 5 rating

From over 4,900 reviews

39,000+

Lives transformed

20+ years

Heling everyday Australians

Find articles for your situation

Ready to take the next step towards financial stability?

If you’re struggling with mounting payday loan debt, a debt solution may be able to support you.

Frequently asked questions

Answers to commonly asked questions about payday loans.

Payday loans may seem to offer a quick and convenient cash flow solution, but they come with serious risks. Firstly, payday loans often have extremely high interest, which means if you don’t pay it back on time, your overall debt will increase fast. Secondly, they come with hidden fees, making them expensive, even over the short term. Thirdly, users often end up in a debt cycle, with ‘rollovers’ compounding interest and fees further.

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