Having trouble paying back your Admiral Loan or Car Finance?

If you’re having problems paying back your loan, we may be able to set up a payment plan for you.

Contact us to explain your circumstances and we’ll help agree a payment plan based on what you can afford to pay back.

We can also look at a better date for your repayments and a different way to pay that suits you more.

Once we’ve explained the different options available, you’ll have time to think about what you’d like to do. If, for some reason, we can’t offer you any of these options, we’ll explain why.

You’ll have a reasonable amount of time to pay back the debt and, if you’d like, we’ll be happy to talk to an independent debt advisor, acting on your behalf about a payment plan.

We’ll only start proceedings to recover the outstanding balance (and/or vehicle if the loan is secured) if we can’t agree another solution with you.

Additional help available to you

For free help managing your finances, speak to an independent debt advisor.

Other agencies can offer support and guidance in times of financial and personal hardship:

We strongly advise you seek independent debt advice.

Arrears Management Fees

None of the fees listed below are taken in your direct debit payments. Fees will be applied to your account and should be paid by calling 0333 234 6009.

Type of fee


Debt Collection Agency Referral


Legal Action


These fees are dependent on balance and litigation stage, so we’ll keep you informed.

Vehicle Repossession

Up to £350

Missed Payment Fee

£12 per missed payment

How do I pay a fee

Most fees will not be collected in your direct debit payment. To discuss any fees applied to your loan please call us on 0333 234 6009. Please note, Missed Payment Fee may be collected in your direct debit payment, we will advise you prior to your payment when this happens.