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We're ready to help you

Giving you the support you need

Don't let money worries get the better of you. Create a new budget and get your finances back on track.

All our information is 100% free, confidential and no-obligation

Welcome to PayPlan

Take advantage of free debt advice

We understand that the recent cost of living increases will be putting a strain on your finances.
PayPlan help with contacting people you owe money to and arranging lower payments to make things more affordable.

Choose how you'd like to speak to us and begin your journey today.

Call us now

0800 280 2816

Live Chat

Speak to an adviser on live chat and go at your own pace

Start online now

Click here to answer a few simple questions and be connected to an advisor

All our information is 100% free, confidential and no-obligation

Freephone: 0800 280 2816 Mon to Fri 8am–8pm Sat 9am–3pm

It’s time to make things easier

Having debts is a lot more common than you might think, and it’s easier to fix than you might think too. Our debt advice service works in three simple steps – by the time you’re done, you’ll have a clear-cut plan to get your finances back in a good place.


Choose how to get help

You can speak to us via Live Chat, WhatsApp or telephone, whichever works best for you.


Create your budget

Make a new, simple budget that shows you what you're spending on each month.


Get a solution that works

Using your new budget, we’ll give you a solution that helps you deal with your debts.

If you’d like more information on other sources of free debt help and advice you can visit MoneyHelper. Set up to put people in control with impartial money help that’s on their side, backed by government and free to use.

Self-employed debt help

Keep your business running smoothly by learning about Bounce Back Loans, debt solutions and a host of other self-employed guides and tips.

Learn more about Self-employed debt help

Financial Wellbeing

Need help managing your money? Find everything from in-depth budgeting guides to quick money-saving tips on our Financial Wellbeing hub.

Learn more about Financial Wellbeing

Breathing Space

Breathing Space gives you a 60-day break from creditor contact, and freezes fees, charges and court action against you.

Learn more about Breathing Space

Debt solutions we advise on

PayPlan advise on a wide range of debt solutions, and recommend the best one for you.


Worried about rising costs?

PayPlan’s BudgetSmart tool can help you increase your income and reduce your bills. From car insurance to home insurance, healthcare to pet care, electricity bills to water bills, you can use BudgetSmart's tools and tips to help you save money.

Get BudgetSmart


Take the stress away from debt…

With support that makes a difference.

Get started now
0800 280 2816 Request Call Back
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