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If you're struggling to pay off a payday loan, here's what you can do:

  1. Get free, confidential debt advice. The adviser will be on your side and can help you sort out your money problems. Find a free debt adviser now

  2. Contact your lender as soon as possible and let them know your situation. If you’re struggling with repayments on a payday loan they have to treat you fairly and with consideration. In particular, they have to give you reasonable time to get free debt advice and repay the debt. This may include freezing their interest and charges or agreeing a repayment plan with you

  3. If you’ve agreed a continuous payment authority (also known as a recurring payment), you can cancel it at any time. This may help if you are struggling to pay essential bills but remember, if you do this you will still owe the debt and the lender can go on charging interest and other fees. So it’s essential that you let your lender know and you get free debt advice to help you deal with the loan.

    From 1 July 2014 the lender can’t try to collect payment from your account more than twice.

  4. Don’t roll over your loan or consolidate your debts into a new loan unless you know what the lender will charge you for this and you are sure you can repay the loan on the repayment date. Failing to repay on time can quickly lead to your debts spiralling out of control.

    To find out more, read our guide Problems paying back a payday loan

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