App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. Anytime Banking available to customers with an Ulster account.
If your repayment break is ending
If you've had 2 repayment breaks, please refer to the email we'll send you around 3 weeks before your payments are due to restart for further help and support.
Please do not take any action until you receive this.
Apply for temporary support
If your finances are temporarily impacted by coronavirus and you can't afford to make your full monthly loan payments, we're here to help. You can apply for your first or second repayment break provided you have not had the maximum of two already.
If you've applied for a repayment break, pay what you can into your loan account, whenever you're able to during your repayment break period.
Before you apply you need to know:
Please see below example that outlines how missed payment on a repayment break will build, when you make no reduced payments.
Normal monthly payment: £150
Total missed payments after 3 months: £450
Total missed payments after 6 months: £900
Even if you can afford only a small payment each month, you should consider making reduced payments to help clear what you owe.
You can make a payment through our mobile app, Anytime Banking or by visiting our repayment service page. If you can afford to pay something you should as this will reduce what you owe.
Please think carefully before choosing to extend your repayment break. Our illustrative examples can help you understand the impact on your loan when applying for a repayment break.
Even if you can afford a small amount, you should consider making reduced payments to help bring down what you'll pay in the long run.
Before you apply you need to know:
Please see below example that outlines how missed payment on a repayment break will build, when you make no reduced payments.
This is only an example to outline how missed payments will build on a repayment break, when you don't make any reduced payments.
Normal monthly payment: £150
Total missed payments after 3 months: £450
Total missed payments after 6 months: £900
Even if you can afford only a small payment each month, you should consider making reduced payments to help clear what you owe.
Long term repayment arrangement
If you already know your circumstances are unlikely to improve and you wouldn't be able to start repayments after a repayment break, please contact us as soon as you can so we can help.
You can call us on 0800 001 5721 or 0345 602 3112 (best for mobiles with inclusive minutes).
Open Monday to Friday 9am-5pm
If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts.
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.
Free advice on debt, divorce/separation, setting up a new home, care & disability.
Financial Conduct Authority (FCA)
Free advice on mortgage lenders and administrators during the coronavirus (Covid-19) pandemic.
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.
Free advice on housing, debt, benefits, eviction & homelessness.
Free and confidential advice on debt.
Free, confidential and impartial debt and money advice from Advice NI
If you can't start paying off your loan after your break, a term extension might not be a good idea for you. There are other ways we can help you, depending on whether the changes to your financial situation are temporary or more permanent. You can take a look at your options above.
You need to sign a new agreement to confirm that you accept the extended loan term and you agree to pay the additional interest that you'll build up because you'll have your loan for a longer period of time. You'll keep paying the same interest rate.
