Take control of your debt, without judgement
PayPlan provides free debt advice and solutions — always confidential, always impartial. We're funded by creditors so you never pay a penny.
0800 316 1833 — free to call, Mon–Fri 8am–8pm, Sat 9am–3pm
- FCA regulated
- Always free
- 3m+People helped
- 4.5/5Trustpilot
- 30+Years helping
Where are you right now?
I need help now
Struggling to keep up with payments or being chased by creditors.
I'm just worried
Not in crisis yet, but things feel like they're heading that way.
I'm looking at options
Researching what solutions are available and what might suit you.
I'm debt-free already
You've cleared your debt and want to stay on track.
How it works
Tell us about your situation
Answer a few simple questions about your income, outgoings and debts. Online, by phone, or on WhatsApp.
Find what you can afford
We work out a realistic budget and show you the options that fit your circumstances.
Know your next step
Choose the solution that feels right. We handle everything with your creditors.
Real stories
★★★★★“I was dreading making the call but they made everything so easy. Within weeks I had a plan and could sleep at night again.”
★★★★★“PayPlan helped me understand all my options without any pressure. I didn't even know a DRO existed before I spoke to them.”
★★★★★“After my IVA completed I felt like a weight had been lifted. The team were supportive through the whole five years.”