Can you sell one of the cars and get something less expensive?
I don’t know what to suggest other than possibly taking on part-time jobs to pay extra on the bills and get rid of them. Sell some things (craigslist, newspaper ads, eBay, etc.) and use the money to pay the payday loans.
I have never taken one out, but I know people who have been on that treadmill before. It took some years to get out from under. Others paid them off with the tax refund, but they grew so much by then, it was just a DO IT NOW situation.