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clients looking for help each month
we've helped repay debt
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Founded in 1992, at PayPlan we focus on offering trusted and ethical free debt advice. With over 85,000 clients in long-term managed plans, and 10,000 new clients looking for support each month, we’ve helped to repay £1.5 billion of debt.

We are committed to helping people get out of debt and our service is free of charge. We offer trusted, expert help and advice to anyone struggling with multiple debts, and are proud to have helped over 1 million people regain control of their financial situation.

we do

The debt solutions we advise on include:

  • Free Debt Management Plans (DMPs) – allowing clients to pay their creditors back at an affordable monthly rate
  • IVAs – helping clients write off up to 80% of debt through affordable monthly payments, over a 5 or 6 year period
  • Self-employed IVA – allowing clients to pay back (and potentially write off) debt whilst still running their business
  • Trust Deeds for Scottish clients – similar to an IVA but completed over a shorter period of time
  • Bankruptcy advice – helping clients decide if this is the right option for them

We’re able to offer completely free debt advice and, unlike most other companies, they don’t charge Debt Management Plan clients any fees – so 100% of their regular payments go towards repaying their debts.
Instead, we are funded by donations from the credit industry in recognition of the support we provide to people throughout the UK who are struggling with debt.

All IVAs, (regardless of which company manages it) incur costs due to the legal expertise and work that has to go into setting them up. These fees are included within the monthly payment and they’re split over the duration of the arrangement.

we work with

At PayPlan we work with a diverse range of clients, from those who have experienced an unexpected change in circumstances, to clients with complex vulnerabilities and challenges. Nearly all of them come to us via recommendations – from people who’ve heard or experienced that we’re different to many other debt companies.

It's now even easier than ever for clients to manage their debts online using our state-of-the-art online platform – PayPlanPlus. 
They control everything to do with their plan from making payments, updating details, and communicating with creditors.