Credit or Store Cards, Personal Loans or Retail Finance, Your Plan or Home Improvement Finance Agreements - Payment Holidays

If your income has been impacted due to the coronavirus outbreak, you can request a 3-month payment holiday using the form below. If your request is approved, we will reduce your monthly minimum payment for 3 months without affecting your credit file.

Who can use this form?

Customers who have Credit or Store Cards, Personal Loans or Retail Finance Agreements including Buy Now Pay Later and Interest Free Credit, Your Plan or Home Improvement Finance Agreements can get in touch via this form.

Please follow the links below if you have other accounts with us:

Motor Finance Agreements

Insurance Premium Finance Credit Agreements

Special Offer Period - Buy Now Pay Later (BNPL) Agreements under Your Plan and other BNPL Retail Finance Agreements

Please do NOT request a payment holiday for an account where you already have:

• an existing payment holiday, we’ll be in touch before it’s due to finish.
• had a total of 6 months payment holiday as we will not be able to grant you a further deferral. If your finances are still affected by the pandemic, rest assured we'll still be able to offer alternative options to support you. You can visit our customer support page for more information and useful links. If you require free, impartial advice on how to manage your finances during the pandemic, you can visit StepChange.

What is a payment holiday?

Payment holiday means that we will not collect payments from you for 3 months. Please do not cancel your Direct Debit - after the 3 months your payments will resume.

Please be advised that you should continue to make your normal monthly repayment if you can afford to, as this is likely to be in your best long-term interest to do so.

What if I have already missed my last payment?

You can still request a payment holiday using the form below. We’ll review your request and contact you to confirm if it’s been accepted. If you’re eligible, your payment holiday will start from your previous missed payment and your late fee will be refunded.

What if I can afford to pay some, but not all, of my payment?

If you’re unable to make your full payment, you should request a payment holiday using the form below.

Being on a payment holiday doesn’t mean that you can’t make reduced payments. Where it is affordable, making reduced payments during the payment holiday may shorten the term of the loan or agreement. The reduction of the length of the term will depend on how much you pay. The easiest way to make a reduced payment is via your Online Account Manager.

How will the payment holiday affect my agreement?

Credit or Store Cards: You’ll continue to be charged interest so it may cost you more and take longer to pay off your balance.

Personal Loans or Retail Finance Agreements including Buy Now Pay Later and Interest Free Credit: Your agreement term will be extended by three months which means that it will take you longer to pay off the agreement. No additional interest will be charged for the payment holiday.

Your Plan or Home Improvement Finance Agreements: Your agreement term will also be extended by three months and you’ll continue to be charged interest, so it may cost you more and take longer to pay off your balance.

What happens next?

It’s easy to register – just complete the form below and we will process your payment holiday request within 10 working days. After the 3 months we will start collecting your payments again.