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End of coronavirus repayment break

Loan support

Your options
Independent support
Common questions on extending your loan term

Premier customers

If you are a Premier customer please speak to your Premier Banking Manager.

Business customers

If you are a Business customer please see our dedicated coronavirus hub. 

Important Information

If you've had two repayment breaks, please refer to the email we'll send you around 3 weeks before your payments are due to restart for further help and support.

 

If your repayment break is ending

We’ll send you details of what you need to do next. This information will be sent from RBS loans, powered by Adobe/Echosign.com.

Please do not take any action until you receive this.

  • Be sure to go through your options carefully to work out which one is the best one for you, especially as some options may affect your credit file. Additionally, some options mean that you will pay more interest overall.
  • If you can't afford to make your next payment, we can help in a number of ways, depending on whether the changes to your financial situation are temporary or more permanent. 

Please note that if you don't take any action, your payments will resume on your regular payment date.

If you're still temporarily impacted by coronavirus, you can apply for a repayment break, provided you have not had the maximum of two already.
Temporary support

If you already know your circumstances won't improve, you could consider a long term repayment arrangement.
Long term repayment arrangement

If you're struggling financially you may want to consider independent support.
Independent support

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a NatWest account.

Apply for temporary support

If your finances are temporarily impacted by coronavirus and you can't afford to make your full monthly loan payments, we're here to help. You can apply for your first or second repayment break provided you have not had the maximum of two already. 

I can afford to pay some of my loan

If you've applied for a repayment break, pay what you can into your loan account, whenever you're able to during the your repayment break period.

I can't afford to make any payment

Even if you can afford a small amount, you should consider making reduced payments to help bring down what you'll pay in the long run.

Please think carefully before applying for your repayment break. Our illustrative examples can help you understand the impact on your loan when applying for a further repayment break.

Long term repayment arrangement

If you already know your circumstances are unlikely to improve and you wouldn't be able to start repayments after a further repayment break, Cora your digital assistant can help you sort it.

Ask Cora via the 'Help' button in the bottom right corner of the page and quote 'payment holiday ending' in your message.

Independent support available

If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Start your journey with PayPlan

Other independent organisations who can help

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service
Free advice on debt, divorce/separation, setting up a new home, care & disability.

Shelter
Free advice on housing, debt, benefits, eviction & homelessness.

National Debt Line
Free and confidential advice on debt.

Financial Conduct Authority (FCA)
Find out about the measures introduced to support you if you are experiencing a change in financial circumstances due to coronavirus (Covid-19).

 

Common questions on extending your loan term

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