Maintaining your loan on course
We’ve made repaying your loan as facile as it is possible. No tricky menus, over-complicated options, or hard hurdles – just straight-forward re payments direct to your online payday OK loan. And it below if you need to know any more than that, you’ll find.
How do you make re re payments?
It is possible to stay right right right back, make certain you’ve set funds that are aside enough protect your repayments every month, and we’ll do the remainder. Your agreed re re payments can come directly from your account without you needing to bother about a thing.
We also just take your debit/credit card details as a back-up. When your Direct Debit fails and you also have actuallyn’t held it’s place in touch to allow us know to not, we’ll usage these records to get up in the repayment to prevent your account dropping behind. This keeps every thing operating smoothly and stops your account operating into any dilemmas.
It’s important to help keep your account as much as date as this is the contractual contract and might assist create your credit history. Stating that, we do realize things sometimes happens unexpectedly and also this might not often be feasible – more on that further down.
May I make payments that are extra?
Would you like to make additional re re payments, get caught up on a payment that is late or settle your loan early? Well, you’ve got choices:
- Install our App that is free here amigoloans.co.uk/mobile-app. The App happens to be just open to borrowers, it is a way that is easy keep an eye on your account and work out re re payments.
- Phone our 24 hour automatic payment line on 01202 560 996. Less conversational than the usual person that is real friendly the same.
- Log on to your on line account.
- Text the term ‘PAY’ to 07595553371. We’ll send you an Easypay website website link to help you make a payment that is online signing to your account.
Could I spend by PayPoint?
You could make money re payments at any one of over 28,200 shops which have PayPoint available. There is your PayPoint barcode in your web account. Quick reminder – a repayment through PayPoint takes around 48 hours to demonstrate on your account. You’ll need to ensure your re payment is manufactured in the required time so you don’t miss your re payment date.
Where can I find my re re payment details?
Any re payment details we hold for you personally are going to be noticeable in your online account beneath the ‘Repayments’ tab. You are able to join on our site or, if you’re a borrower, down load our free App.
Am I able to settle early?
You’ll settle your loan whenever you want, or make additional re payments along with the regular month-to-month instalments. Simply utilize one of several re re re payment methods stated earlier.
To observe how this may impact the attention accruing in your loan, have fast go over our devoted guide. We understand interest could be not even close to straight-forward it can be quite simple so we’ve set out to show that, actually.
Plus one more thing to incorporate. We don’t use any charges or prices for making overpayments or settling early. No charges, ever.
How can I change my re re payment date?
To improve your re payment date, log into the account (online or, if you’re a borrower, through the mobile App) and then click regarding the ‘Repayments’ tab. Then chances are you’ve just surely got to pick the date you need. Effortless actually.
Into it though, we do have a couple of rules you’ll need to consider before you go rushing:
- The date can’t be moved by you of one’s very very very first re re payment;
- You can’t go the date if the account is behind on re payments;
- Then you’ll need to give us 5 working days notice before your payment is due so that we can tell the bank if you usually pay by Direct Debit;
- In the event that you frequently spend by card, you won’t have the ability to go your repayment date at the time your repayment is born;
- You are able to only improve your re payment date as soon as in a 2 period month;
- You can easily just move your re payment date further away no more than three times per year and 5 times throughout the loan term that is total
- You can easily just go your re payment date further away by no more than 20 times. The furthest you can move your date to is the 23rd for example, if your payment is due on the 3rd of every month.
Exactly what if I can’t make my re re payments?
If for just about any explanation you can’t spend, the thing that is first do will be tell us. We realize that life does not constantly visit plan, however the primary thing to remember is that we’re here to greatly help. Where possible, we’ll always attempt to work to you right to back get things on course without the need to pose a question to your guarantor to step up.
That’s why we’re here – to give chances that are second somebody that has struggled. You can easily talk with us on 01202 629 161 (9am-7pm Mon-Thurs; 9am-6pm Fri; 9am-1pm Sat).
Are you going to ask my guarantor to pay for?
While your bank account is as much as date, we ought ton’t have to pose a question to your guarantor for a thing. And with you to get things back on track directly if you miss any payments, we’d still much rather work.
The only time we could need to pose a question to your guarantor to pay is when your account is with in arrears and we also have actuallyn’t had the oppertunity to come quickly to an agenda that’s right for the account. This may be if there’s a risk of one’s account dropping further behind or if perhaps we simply don’t notice away from you. By asking your guarantor to part of, it will help stop the loan term expanding or any arrears from building and becoming unmanageable.
Them know first before attempting for payment once the account is behind by 15 days if we do ask your guarantor to step in, we’ll always let. We’ll just ever pose a question to your guarantor to pay for in line with their agreement so when it is both in your absolute best passions.
Am I able to create a belated repayment?
If one thing has occurred and you’re perhaps maybe not certain that you’re going to be in a position to make a repayment on time, don’t panic. Make contact, have chat we can do with us, and we’ll try to see what.
Then simply changing your monthly repayment date could be the best option if there’s been a permanent change in your situation.
Otherwise, contact us on 01202 629 161 (9am-7pm Mon-Thurs; 9am-6pm Fri; 9am-1pm Sat). We’ll discuss your situation to sort out the absolute most reasonable option to bring the account right right back as much as date.
We’d constantly choose to allow you to straight, but when we can’t get things sorted then we possibly may should pose a question to your guarantor to step up. This prevents any potential for the arrears building and perchance becoming unmanageable.
Just how long until my guarantor is contacted in regards to a payment that is missed?
If for example the re payment is not received on the re re payment date, we’ll need certainly to inform both you and your guarantor just as we’re aware. We produced vow to your guarantor to help keep them when you look at the cycle about something that may potentially impact them, and therefore includes any payments that are late.
To make sure you, that doesn’t mean we’re asking them to cover currently. It is just just in case we can’t work anything down with you straight plus they have to protect for your needs in the future. This prevents any shocks and means they could begin funds that are setting if it is required.
Could I make an inferior payment per month or reduce my re payments?
If you’re struggling with your repayments, or understand of such a thing coming that may make your payments only a little hard, then we’re here to simply help. The thing that is last want is prompt you to worse down, therefore get in contact as soon as you’ll and we’ll look for a remedy. We’ll require a conversation around your position and, we may be able to put an arrangement in place until your circumstances pick up again if it’s reasonable.
Just keep in mind, any arrangement has to be affordable and reflect how much is outstanding in the loan (don’t worry about this now; we’ll discuss this in further information when you are getting in contact).
In the event that payments that are full nevertheless affordable after your other living expenses happen considered, we’d additionally expect one to carry on having to pay the mortgage as normal. This prevents the account dropping behind or even the loan term expanding needlessly.
Can we have a repayment break?
We’re perhaps perhaps not in a position to provide re payment vacations or breaks, but that doesn’t suggest we can’t assist. With us means we can understand your situation and see what options are available if you’re struggling to make your payments, speaking.
