Some payday lenders are willing to negotiate with you, but not all will be open to negotiating. It never hurts to call and ask. Some may offer an extended payment plan, or EPP. The most important thing is to keep your loan from being turned over to debt collectors. If you can't pay and your lender is unwilling to negotiate, consider a Payday Alternative Loan or cash advance app, request overtime, take on a side gig, or ask your family or friends for help.