How are lenders helping credit customers?

See lender responses to the Coronavirus outbreak in our handy tables.

If you're finding it difficult to keep up with your repayments, contact your lender or provider as soon as you can. They’ll talk you through any support they can provide to help you through this difficult time. This could include reducing your payments, pausing your payments for a while (called a 'payment holiday'), credit limit increases, or other forms of assistance.

It’s important to bear in mind that interest will still be charged for the duration of a payment holiday, so it'll be factored into repayments when you start making them again.

Disclaimer: The contact numbers listed below could be subject to call charges and opening hours. All information is based on our own research, please check the provider’s site to confirm the latest information.

Search for a lender by name

Mortgage lending
LenderWaiving missed payments feesReduced paymentsMortgage holidaysMortgage holiday impactApplication processOther informationContact details
Accord MortgagesNoNoYesFor repayment mortgages the interest will be added and payments made up over the termApply online0800 138 2401
Accord Mortgages Payment Holiday Requests
AldermoreNoYesYesMake up payments later in term.Apply onlineMortgage Payment Break Request form
Aldermore
AtomNoNoYesContact providerContact providerAtom
Bank of ScotlandNoNoYesPayments will be recalculated later in termApply onlinePayment holiday requests
Bank of Scotland
BarclaysNoNoYesPayments will be recalculated at end of holidayApply onlinePayment holiday requests
Barclays
Bank of IrelandNoNoYesRepayments adjusted so that it will be repaid within the original termApply onlineOther options are availablePayment holiday requests
Bank of Ireland
Birmingham MidshiresNoNoYesPayments recalculated at end of holidayApply online response within 3-5 daysPayment holiday requests
Birmingham Midshires
Bluestone MortgagesContact providerContact providerYesContact providerBluestone Mortgages
Buckinghamshire Building SocietyNoNoYesContact providerContact providerBuckinghamshire Building Society
Castle TrustContact providerContact providerContact providerContact providerContact providerCastle Trust
Cambridge Building SocietyContact providerContact providerYesYou will be contacted to access your circumstances and agree a manageable way to repay the interest charges and make up deferred payments.Contact providerCambridge Building Society
Central TrustContact providerContact providerContact providerContact providerContact providerCentral Trust
Chelsea Building SocietyNoNoYesInterest will be applied at the end of the holidayApply onlinePayment holiday requests
Chelsea Building Society
Clydesdale BankNoNoYesContact providerApply onlineOptions on how to repay any additional interest, dependent on circumstances.Payment holiday requests
Clydesdale Bank
Co-opYesNoYesCustomer will pay more interest overall.Contact providerCo-op
Coventry Building SocietyNoNoYesAdded to termApply onlinePayment holiday requests
Coventry Building Society
Danske BankNoNoYesPayments adjusted at end of holidayApply onlinePayment holiday requests
Danske Bank
First DirectNoNoYesPayments adjusted at end of payment holidayApply onlinePayment holiday application form
First Direct
Foundation Home LoansContact providerContact providerYesBased on individual circumstancesContact providerFoundation Home Loans
FurnessNoNoYesContact providerContact providerPayment holiday enquiries
Furness Building Society
Glasgow CreditContact providerContact providerContact providerContact providerContact providerGlasgow Credit
HalifaxNoNoYesPayments will be recalculated later in termApply onlineOther options available – contact providerPayment Holiday request
Halifax
Hinckley and Rugby Building SocietyNoNoYesInterest added to the termApply onlineRequest a payment break
Hinckley and Rugby Building Society
HSBCNoNoYesPayments added to term.Apply onlineLonger-term support through extending the remaining term of your mortgage. Also switching rates or switching part or all to interest-only mortgage arrangements.Payment Holiday application
HSBC
KensingtonNoContact providerYesContact providerKensington
LandmarkNoNoYesContact providerContact providerPayment holiday requests Landmark Mortgages
Leeds Building SocietyNoNoYesPayments recalculated at end of holidayApply onlinePayment holiday request
Leeds Building Society
LloydsNoNoYesPayments recalculated at end of payment holidayApply online decision in 2-3 daysPayment holiday requests
Lloyds
M&S MortgagesContact providerContact providerYesContact providerContact providerM&S Bank
Melton Mowbray Building SocietyContact providerContact providerYesContact providerBy phone: 01664 414141The Melton
Metro BankNoNoYesPayments to be repaid, will depend on your individual situationBy email or request call backmortgageservicing@metrobank.plc.uk
Call back request
Metro
NationwideNoNoYesIncreased monthly payments at end of mortgage holiday.Apply onlineRequest a payment holiday
Nationwide
NatWestNoNoYesIncreased monthly payments at end of mortgage holiday.Apply onlineRequest a payment holiday
NatWest
Newcastle Building SocietyContact providerContact providerYesRepayments to be made in future which could be over the remaining termContact providerPayment holiday request
Newcastle
Norton Home LoansContact providerContact providerContact providerContact providerContact providerNorton Home Loans
Nottingham Building SocietyNoYesYesIncreased termApply onlinePayment Holiday request
The Nottingham
NRAMContact providerContact providerYesWill impact your account and future payments.Apply onlineRequest a Payment Holiday
NRAM
Optimum CreditContact providerContact providerYesBy Email – Add your account number & payment date in the subject lineContact providerOptimum Credit
customerservices@optimumcredit.co.uk
PrincipalityNoNoYesContact providerApply onlinePayment holiday request
Principality
RBSNoNoYesMake up payments within the termApply onlineRequest a payment holiday
RBS
Saffron Building SocietyContact providerContact providerYesAt the end of the payment holiday, you will have to make up the missed payments.Apply on lineContact with 7 days of next payment if apply for a payment holidayPayment holiday request
Saffron Building Society
Sainsbury’sContact providerContact providerYesIncreased monthly payments at end of payment holidayContact providerSainsbury’s Bank
SantanderContact providerNoYesFlexibleApply onlineRequest a Payment holiday
Santander
ScotwestContact providerContact providerContact providerContact providerContact providerScotwest
Scottish WidowYesNoYesIncreased paymentsApply onlineRequest a payment holiday
Scottish Widow
Skipton BSNoNoYesRecalculation of monthly payments you will be informed of the new amount before your next payment is due.Apply by emailPayment holiday request
Skipton Building Society
Teachers Building SocietyContact providerContact providerContact providerContact providerContact providerTeachers Building Society
TescoContact providerContact providerContact providerContact providerContact providerTesco Bank mortgages have now moved to HalifaxTesco Bank
The ProgressiveContact providerContact providerContact providerContact providerContact providerThe Progressive
The Scottish Building SocietyNoNoYesContact providerBy emailPayment holiday request form
Scottish Building Society
The West BromNoNoYesIncreased payments or termApply onlinePayment holiday requestThe West Brom
TSBNoNoYesCustomer will pay more interest overall.Apply onlinePayment holiday request
TSB
Ulster BankNoNoYesAdded to termApply onlinePayment holiday request
Ulster Bank
Virgin MoneyNoNoYesIncreased monthly payments at end of mortgage holiday.Apply onlineRequest a payment holiday Virgin Money
Yorkshire BankNoNoYesPayments to be repaid, will depend on your individual situationApply onlineRequest a payment holiday
Yorkshire Bank
Yorkshire Building SocietyNoNoYesContact providerApply onlineRequest a payment holiday
Yorkshire Building Society
Loans
LenderWaiving missed payments feesReduced paymentsPayment holidaysOther informationContact details
118 118 MoneyContact providerContact providerYesMay continue to apply interest to your loan account during any temporary payment freeze we provide you. This would mean that you would end up paying more, and it would take you longer to repay your loan.029 2054 8000
118 118
1st Stop Personal LoansContact providerContact providerYes01253 601950
1st Stop Personal Loans
Payment holiday request
ABCULContact providerContact providerContact provider0161 832 3694
ABCUL
The AANoNoYesLoans are provided by the Bank of Ireland (UK) plc – when you apply for a payment break you’ll be redirected to their website0345 266 0124
The AA
Payment holiday request
AdmiralContact providerContact providerContact providerAdmiral
AmigoContact providerContact providerContact providerAmigo
Bank of ScotlandYesContact providerYes0345 721 3141
(urgent queries)
Loan repayment holiday form
Bank of Scotland
BambooContact providerContact providerYes0330 159 6010
Request a Payment Holiday
Bamboo
BarclaysNoNoYes0800 400 100
Barclays
Payment holiday request
Bank of IrelandNoNoYes0345 600 2703
Bank of Ireland
Clydesdale FinanceContact providerContact providerYes0800 22 24 26 or
0141 248 7070
Clydesdale Bank
Payment holiday request
Close Brothers FinanceNoContact providerContact providerIf you’re not going to be able to make a payment, you can apply for payment support.0333 321 8566
(payment line)
Request payment support
Close Brothers Premium Finance
Everyday LoansContact providerContact providerYesContact your local branch
Everyday Loans
EvolutionContact providerContact providerContact provider0161 814 9975
Evolution
First DirectContact providerNoYes03 456 100 199
First Direct
Request to defer Personal Loan payments
Guarantor My LoanContact providerContact providerContact provider01603 391041
Guarantor My Loan
HalifaxYesContact providerYes

At the end of the payment holiday Halifax will recalculate your monthly payments.

0345 720 3040
Request a Payment Holiday
Halifax
HitachiNoContact providerYes0344 375 5488
Request a payment holiday
Hitachi
HSBCNoYesYes0345 720 3040
Request to defer Personal Loan repayments
HSBC
LendableContact providerContact providerYes020 3322 1948
Lendable
Lending WorksNoNoYes0207 096 8512
Lending Works
Lending StreamContact providerContact providerContact providerhttps://www.lendingstream.co.uk/contactus-step2/?sel_val=customer
Lending Stream
Likely LoansContact providerYesYes0208 080 6457
Likely Loans
LivelendContact providerYesYes0208 080 6457
Livelend
LloydsContact providerContact providerYes

You will only be given a repayment holiday if your loan payments are up to date. If you are in arrears, they have other ways of helping you

0345 602 1997
(urgent queries)
Repayment holiday request
Lloyds
M&S BankContact providerNoYes0345 600 5860
Deferral request form M&S Bank
MoneybarnContact providerContact providerYes0330 555 1230
Moneybarn
My JarContact providerContact providerYes0203 006 2000
My Jar
Mr LenderContact providerContact providerContact providerMr Lender
NationwideContact providerContact providerYes03457 30 20 11
Request a Payment Holiday
Nationwide
NatWestNoNoYes, up to three months.Download App for Loan support0800 200 400
NatWest
Post OfficeNoNoNoPost office is underwritten by Bank of Ireland UK, you will be redirected to their website when applying for a payment holiday.Post Office
Request a payment holiday
Provident Personal CreditContact providerContact providerYesContact your rep or call 0800 096 6064
Provident Personal Credit
RatesetterContact providerContact providerContact provider020 3142 6226
borrow@ratesetter.com Ratesetter
RBSNoNoDownload App for Loan support0800 056 0567
RBS
SantanderContact providerContact providerYes0800 028 4055
Request a Payment Holiday
Santander
Sainsbury’sContact providerContact providerYesPayment freezes can still be requested if you’re one payment behindSainsbury’s
ShawbrookContact providerContact providerContact providerInterest will still be charged at normal rate during the deferral period. The term of the loan will be extended by the duration of the deferral period.0345 650 6290
Payment holiday request
Shawbrook
SunnyYesYesYesOption to extend the loan term.0800 7315 444
help@sunny.co.uk
Sunny
TescoContact providerNoYes0345 300 4547 if you have missed more than one payment
Request a Payment Holiday
Tesco
UK CreditContact providerContact providerYes01603 828 828
myloan@ukcredit.co.uk
UK Credit
ZopaNoYesYesRequest a payment freeze
Request a payment plan
Zopa
118 118 MoneyContact providerContact providerContact provider029 2054 8000
AMEX/American expressNoNoNoAmex
Credit cards
LenderWaiving missed payments feesCredit limit increasesPayment holidaysOther informationContact details
118 118 MoneyContact providerContact providerContact provider118 118 Money
029 2054 8000
AMEX/American expressContact providerContact providerContact providerAmex
Aqua (NewDay)Contact providerContact providerContact provider0333 220 2691
Aqua
Bank of ScotlandYesYesYes0345 721 3141
(urgent queries)
Bank of Scotland
BarclaycardYesContact providerYes0800 400 100
Barclays
Capital OneContact providerContact providerContact provider0800 952 4966
Capital One
Cooperative BankYesContact providerYes03457 212 212
Cooperative Bank
Capital on TapContact providerContact providerContact provider0208 962 7401
Capital on Tap
First DirectContact providerYesYes – tailored to individual need.03 456 100 100
Request a Payment Holiday
First Direct
FluidNoContact providerYesApply when logged into online account0333 414 1090
Fluid
HalifaxYesYesYes0345 720 3040
Request a Payment Holiday
Halifax
HSBCYesYesContact providerHSBC have announced a package of support to help you tackle the financial impact of COVID-19.03457 404 404
Request a Payment Holiday
HSBC
LloydsYesNoYes0345 602 1997
(urgent queries)
Request a Payment Holiday
Lloyds
Luma (Capital One)Contact providerContact providerYes0800 952 4966
Luma (Capital One)
M&S BankNoYesYes0345 600 5860
Request a Payment Holiday
M&S Bank
MarblesContact providerContact providerYesApply when logged into online account0333 220 2692
Marbles
Metro BankContact providerContact providerContact provider0345 08 08 500
Metro Bank
MBNAContact providerYesYes03456 062 062
Request a Payment Holiday
MBNA
NationwideNo – but customers in financial difficulty could have interest charges removed.YesYes0345 600 66 11
Request a Payment Holiday
Nationwide
NatWestYesYesNo0370 333 9091
NatWest
OceanContact providerContact providerContact provider0344 481 2812
Ocean
Post Office (Capital One)Contact providerContact providerContact provider0345 722 3344
RBSYesYes (temporarily)No0370 907 0010
RBS
Sainsburys BankContact providerContact providerContact providerPayment freezes can still be requested if you’re one payment behind on Mortgages.Sainsburys Bank
SantanderYesContact providerContact provider0800 01 56 382
(urgent queries)
Request a Payment Holiday
Santander
Tandem Bank Credit CardsContact providerContact providerContact provider020 3370 0970
Tandem Bank Credit Cards
Tesco BankContact providerContact providerYes, up to two months.Visit site and fill out form.0345 301 4971
(Customers in financial difficulty)
Request a Payment Holiday
Tesco Bank
TSBContact providerYesContact provider0345 835 3846
TSB
Ulster BankYesYesContact provider0345 742 4365
Ulster Bank
Vanquis BankContact providerContact providerYesApply by text or phone0330 099 3000
Vanquis
Virgin MoneyYesYesYes – may freeze interest payments.0800 028 6692
(Money Worries)
Request a Payment Holiday
Car Finance
LenderWaiving missed payments feesReduced paymentsPayment holidaysPayment holiday impactApplication processContact details
1st Stop Financial ServicesYesContact providerYesContact providerContact provider1st Stop Financial Services
0191 492 1919
AdvantageContact providerContact providerYesApply onlineAdvantage
Request a Payment Holiday 01472 233200
ALD Automotive LtdContact providerContact providerYesContact providerBy emailALD Automotive Ltd
credit.control@aldautomotive.com
Aldermore Bank Asset FinanceContact providerContact providerYesContact providerBy emailAldermore Bank
01189 55 6675
afcollections@aldermore.co.uk
AlpheraContact providerAssessed on individual basisYesApply onlineAlphera
Request a Payment Holiday
Bank of Scotland MotorContact providerContact providerContact providerContact providerContact provider
Black HorseContact providerContact providerYesYou will pay more overall as you take longer to pay back the amount borrowed. They will work out how much extra you will need to pay and will add this to your agreement.
Blue Motor Finance LimitedAssessed on individual basisAssessed on individual basisYesContact providerContact providerBlue Motor Finance
Request a Payment Holiday
customerservices@bluemotorfinance.co.uk
0203 005 9330
BMW FinanceContact providerAssessed on individual basisYesContact providerBMW Finance
Request a Payment Holiday
BNP Paribas Lease GroupContact providerContact providerYesContact providerContact providerBNP Paribas Lease Group
csbas.leasingsolutions@uk.bnpparibas.com
Borderway FinanceContact providerContact providerYesLoan term extendedApply onlineBorderway Finance
01228 595 939
Close Brothers LtdContact providerContact providerYesContact providerContact providerClose Brothers
MotorCovidSupport@closebrothers.com
Clydesdale Finance LimitedContact providerContact providerYesInterest will continue to be charged during the payment holiday, and will need to be repaid in the futureApply onlineClydesdale Bank
Request a Payment Holiday
Creation Consumer Finance LtdContact providerYesYesExtended TermApply onlineCreation
Request a Payment Holiday
Credo Asset Finance LtdContact providerContact providerContact providerContact providerContact providerCredo Asset Finance
Daimler Chrysler Finance LimitedContact providerContact providerContact providerContact providerContact provider
Dalbeattie Finance Co LimitedContact providerContact providerContact providerContact providerContact providerDalbeattie Finance Co Limited
FCA Automotive Services UKContact providerContact providerContact providerContact providerContact providerFCA Automotive Services UK
service-centre@fcagroup.com
First Response Finance LtdContact providerContact providerContact providerContact providerContact providerFirst Response Finance Ltd
Ford CreditContact providerContact providerContact providerContact providerContact providerFord Credit
020 3564 4444
GMAC UK PLCContact providerContact providerContact providerContact providerContact provider
Halifax MotorContact providerContact providerContact providerContact providerContact provider
Hampshire Trust PLCContact providerContact providerContact providerContact providerContact providerHampshire Trust
Hartwell Finance LimitedContact providerContact providerContact providerContact providerContact providerhartwell.finance@hartwell.co.uk
Hitachi CapitalNoContact providerYesContact providerContact providerHitachi Capital
Honda Finance Europe PlcContact providerContact providerContact providerContact providerContact providerHonda Finance Europe Plc
0345 128 8908
Hyundai Capital UK LtdContact providerContact providerYesContact providerContact providerHyundai Capital UK
0345 128 8908
Ignition Credit PlcContact providerContact providerContact providerContact providerContact providerIgnition Credit Plc
Ikano BankContact providerContact providerContact providerContact providerContact providerIkano Bank
0344 856 5753
JCB Finance LtdContact providerContact providerYesContact providerOnlineJCB Finance
Lease Plan UK Ltd t/a FleetlineContact providerContact providerContact providerContact providerContact providerLease Plan
specialsupportunit@leaseplan.com
Lloyds Bank MotorContact providerContact providerYesInterest will continue to be charged during the payment holiday, and will need to be repaid in the futureOnlineLloyds Bank
Lombard Business FinanceContact providerContact providerYesContact providerArrange a callback onlineLombard
Arrange a callback form
Marsh Finance LimitedAssessed on individual basisYes - Assessed on individual basisAssessed on individual basisAssessed on individual basisContact providerMarsh Finance Limited
Moneybarn No 1 LtdNoContact providerYesPayments added to termApply onlineMoneybarn
Request a Payment Holiday
MotoNovo FinanceContact providerYesYesContact providerApply onlineMotoNovo Finance
Request a Payment Holiday
Mutual Clothing & Supply Co LtdContact providerContact provideresContact providerContact providerContact providerMotoNovo Finance
NAG Asset FinanceContact providerContact provideresContact providerContact providerContact provider
Nissan Finance (GB) LtdContact providerContact provideresYesContact providerContact providerNissan Finance
Oasis Mtor Finance LimitedContact providerContact provideresContact providerContact providerContact provider
Oodle FinanceContact providerContact provideresContact providerContact providerContact providerOodle Car Finance
Paragon Motor FinanceContact providerContact provideresContact providerContact providerContact providerParagon Motor Finance
recoveries@paragonbank.co.uk
Private and Commercial Finance GroupContact providerContact provideresYesInterest will continue to be charged during the payment holiday, and will need to be repaid in the futureContact providerPCF Bank
020 7227 7517
PSA Finance UK LtdAssessed on individual basisAssessed on individual basisYesAssessed on individual basisApply online via MyFinancePSA
Santander Consumer Finance (UK) PlcContact providerContact providerContact providerContact providerContact providerSantander Consumer Finance
customerservices@santanderconsumer.co.uk
Snap on Finance Ltd (Irish Data)Contact providerContact providerContact providerContact providerContact provider
Snap On ToolsContact providerContact providerContact providerContact providerContact provider
Specialist Motor Finance LtdContact providerContact providerContact providerContact providerContact providerSpecialist Motor Finance
Startline Motor Finance LimitedContact providerContact providerYesContact providerContact providerStartline Motor Finance Limited
Toyota Financial Services (UK) PlcContact providerContact providerYesContact providerContact providerToyota Financial
customeroutcomes@uk.toyota-fs.com
United Trust Bank LtdYesContact providerYesPayments added to termContact providerUnited Trust Bank
mfcustomerservice@utbank.co.uk
Volkswagen Financial Services No.2 LtdYesContact providerYesPayments added to termContact providerVolkswagen Financial Services
Financial Difficulty Form
Zopa LimitedYesYesYesYou’ll be contacted towards the end of the agreed plan period to discuss what happens nextApply onlineZopa
Online Form

We know that this is a worrying time for many of our customers. If you’re concerned about making your repayments on time, please get in touch with your provider as soon as you can to find out what financial support is available.