Free debt management plans, IVAs and free debt advice

Debt management plans with NO monthly fees

Wouldn't you prefer a free debt solution? Payplan is funded in a unique way: rather than charging our clients, we receive donations from the credit industry. But don't worry we remain completely impartial and deal with creditors to find you a solution that is affordable and sustainable.

See how much you could save

In debt? You’re not alone!

Debt is a big worry for many people, as you'll see on our unique UK Debt Map
See how many people Payplan helped near you this year.

Our debt solutions

We help relive your debt stress by dealing with your creditors

DMP - read more
  • 100% free debt management plans
  • A single affordable monthly or weekly payment
  • Possibility of freezing interest and charges
  • Easily keep track of each payment online
  • Full support from helpful, friendly & knowledgeable staff

Let us help you to relive IVA stress by dealing with your creditors

IVA - read more
  • No set up costs, no monthly fees
  • A single affordable monthly or weekly payment
  • Interest and charges are frozen
  • Avoid bankruptcy
  • Repay only a proportion of your debt

We can help relive your self employed IVA stress by helping you deal with your creditors

Self employed IVA - read more
  • All the benefits of an IVA
  • Continue trading as normal
  • Retain your business and personal assets
  • Attract little (if any) publicity
  • Continue with existing finance agreements

What do our clients say about us?

Thinking about debt management?

Elenor (a Payplan client) explains how we helped her get back in control...


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Compare debt management fees*

*Charges are made by these other debt management companies for the arrangement of a Debt Management Plan (information correct as of 13th January 2014).  At Payplan we don't charge our clients any fees for arranging a DMP, so more of your payment to Payplan goes towards paying your debts. Free debt counselling, debt adjusting and providing of credit information services is available by contacting the Money Advice Service.
Debt Management Company Initial Fee?* Monthly Charge Min/Max monthly fee
Harrington Brooks Yes 17.6% £35 - £100
Debt Free Direct Yes 17.5% £30 - £100
Chiltern Yes 17.5% £30 - £100
Debt Advisory Centre No 18.5% £38.50 - £90

See how much you could save with Payplan... Enquire now


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Free debt advice guide

Take a step towards freeing yourself from debt by downloading our PDF guide.

  1. Yes No
Example Plan

Debt: £10,400
Creditors: 3
Was paying: £437 per month
Now paying: £250 per month

In this typical example, we arranged a DMP for our client who was struggling to repay his debts. His payments are now much more affordable!

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Together we'll help you regain control

Payplan provides support that really can get you debt-free.

Call us free on
0800 280 2816

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