Free debt advice, on your side since 1992
- FCA regulated
- Always free
- 3m+People helped
- 4.5/5Trustpilot
- 30+Years helping
How can it be free?
Creditors fund the service
The banks and lenders you owe money to pay for your debt plan. They prefer to get something back rather than nothing.
No customer fees, ever
You will never be charged for our advice or for setting up a plan. 100% of your payments go towards your debt.
Advice is always unbiased
We recommend the solution that's right for you, even if that means suggesting you don't need one.
What you're protected by
Regulated advice
Authorised and regulated by the Financial Conduct Authority.
Free and impartial
We don't earn more by recommending one solution over another.
Real, trained people
Our advisers are qualified debt counsellors, not salespeople.
Real stories
★★★★★“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.”
★★★★★“I was dreading making the call but they made everything so easy. Within weeks I had a plan and could sleep at night again.”