Welcome to Payplan

Payplan provide free, ethical and immediate debt solutions to those in financial difficulty. We work with Unison welfare to make this free service available to all employees.

How we can help

We offer you the most successful route out of debt. We provide sympathetic and non-judgemental support at the end of the phone six days a week. Unlike other organisations, we are funded by creditors so it's not just our advice that's free to you - our solutions are too! We have all those debt solutions under the one roof which means we can be completely impartial and give you the very best solution to your individual set of circumstances. We'll give you your own personal finance manager to look after you and you can rest assured that everything you tell them will remain strictly confidential.

Payplan have all the right debt solutions under one roof

Free DMPs (debt management plans). We negotiate with your creditors so you only have to pay back what you can afford each month. Make one easy payment to us and we distribute it fairly between the creditors.

IVAs with no up-front fees (individual voluntary arrangements). Commit to paying back an affordable amount each month over a fixed term, usually five years, and pending creditor approval, the remainder of your debt will be written off.

Remortgages with no broker fees. Often the quickest, easiest and cheapest way to sort out your debts. By searching the whole of the market, not just a few lenders as others do, we can find the best deal for you at no charge.

Free budgeting advice and ongoing support. Making your money go further by maximising your income and minimising your outgoings.