How we can help

With a repayment plan, you could clear your unarranged overdraft in 2 to 12 months. Setting up a repayment plan on your account could make it harder and more costly for you to borrow money in future, however keeping to it may prevent a larger impact on your credit file like a default. We’ll explain any impact this may have on your credit score before you apply. We won’t charge you arranged overdraft interest during the repayment plan.

If you need more help at the end of the plan, we may be able to look at the option of setting up a consolidation loan with you. This would allow you to combine your debts with us into one monthly repayment.

With this option, you won't be able to have an arranged overdraft or get other forms of credit from us for at least 12 months. This is subject to a credit worthiness assessment. Loan repayments can be made over a period of 1 to 7 years and rates vary.

Representative example

You could borrow £7,000 at an annual interest rate of 8.65% (fixed) over 48 months, with 48 monthly repayments of £173.03. The amount repayable will be £8,305.44. 9% APR representative.

With a repayment plan, you could bring your account up to date in 2 to 12 months. Setting up a repayment plan on your account may impact your ability to borrow in the future. Keeping to the agreed repayments can prevent a larger impact on your credit file like a default. We’ll explain any impact this may have on your credit file before you apply. And we won’t charge you fees and interest during this time.

If you can’t afford to bring your account up to date in 2 to 12 months, we may be able to look at the option of setting up a consolidation loan with you. This would allow you to combine your debts with us into one monthly repayment. 

This option is subject to a credit worthiness assessment and you won't be able to get any other forms of credit from us for the life of the loan. Loan repayments can be made over a period of 1 to 7 years and rates vary.

Representative example

You could borrow £7,000 at an annual interest rate of 8.65% (fixed) over 48 months, with 48 monthly repayments of £173.03. The amount repayable will be £8,305.44. 9% APR representative.

With a repayment plan, you could bring your account up to date in 2 to 12 months. Setting up a repayment plan on your account may impact your ability to borrow in the future. Keeping to the agreed repayments can prevent a larger impact on your credit file like a default. We’ll explain any impact this may have on your credit file before you apply. And we won’t charge you fees and interest during this time.

If you can’t afford to bring your account up to date in 2 to 12 months, we may be able to look at the option of setting up a consolidation loan with you. This would allow you to combine your debts with us into one monthly repayment. 

This option is subject to a credit worthiness assessment and you won't be able to get any other forms of credit from us for the life of the loan. Loan repayments can be made over a period of 1 to 7 years and rates vary.

Representative example

You could borrow £7,000 at an annual interest rate of 8.65% (fixed) over 48 months, with 48 monthly repayments of £173.03. The amount repayable will be £8,305.44. 9% APR representative.