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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.

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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.

01

Choose how to get help

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

02

Create your budget

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

03

Get a solution that works

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

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

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

Breathing Space

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

Learn more
Debt advice provider of the year - CCS Awards 2021 and Credit awards 2021

Debt solutions we advise on

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

IVA

Make payments over 5 years and have up to 70% of your debt written off.


IVA Advice

Self-employed IVA

Self-employed IVAs allow you to pay back your debt whilst still running your business.


Self-Employed IVA Advice

DMP

A debt management plan allows you to pay back your creditors each month at a rate you can afford.

DMP Advice

Trust deeds

Trust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month.

Trust Deed Advice
We’re one of a number of organisations that provide free debt advice. 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.

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Take the stress away from debt…

With support that makes a difference.

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