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If you’re having problems making a payment please contact the lender directly so that they can discuss your payment options. Should the situation remain unresolved the lender may reserve the right to pass your details onto a third party collections agency.
Implications of Non-Payment
We always recommend repaying on time. If you are unable to pay on time, each lender has their own policies with regards to fees and interest, and how they collect outstanding debts. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest. We suggest contacting your lender as soon as you are aware there is a problem, as otherwise, it may be noted on your credit record.
If you are unable to make your repayment on time then you should contact your lender immediately. Lenders may charge a late payment fee which could range between $1 – $100. This will vary between lenders. For more information please read the terms and conditions of your loan agreement.
If you wish to renew your loan, you should contact your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account.