Managing your account


Here we answer the most frequently asked questions our customers ask about managing their online account with us. If you can't find what you are looking for, please get in touch.
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My personal details

Your personal details can be found in your profile. Click the profile button on the top right of your screen. You will be able to see the phone number(s) and address we have stored for you.

Click on the profile button at the top right of your screen to see the personal details we have stored for you. To change your phone numbers, simply click the pencil icon next to your phone numbers and follow the instructions.

Click on the profile button at the top right of your screen to see the personal details we have stored for you. To change your address, simply click the pencil icon next to your phone numbers and follow the instructions. 

Click on the profile button at the top right of your screen to change your current password. Simply click the pencil icon next to the 'change my password' section and follow the instructions.

Once you set up your online account you can't change your email address. We are working on this feature, and it will be available soon.

To log off, click on the profile button at the top right of your screen and select the log out.

Navigating my online account 

From the homepage there are two ways you can get to 'Make a payment'. 

  • Click the 'Make a payment' link on the homepage. 

            or

  • Click 'Payments' on the menu. 

From the homepage there are two ways you can get to 'Set up or manage my Direct Debit'.  

  • Click the 'Make a payment' link on the homepage. 

            or

  • Click 'Payments' on the menu. 

From the homepage there are two ways you can get to 'Settle my agreement'.

  • Click the 'Get a settlement amount' button on the homepage. 

            or

  • Click 'Settlements' on the menu. 

From the homepage there are two ways you can 'Make an overpayment'. 

  • Click the 'Make a payment' link on the homepage. 

            or

  • Click 'Payments' on the menu. 

To change your payment day, click on the 'Change payment day' link on the homepage.  

You can then follow the instructions on how to do this.  

To learn more about what happens when you change your payment day, please see the ‘Understanding my account’ section below. 

From the homepage there are two ways you can view your payments and transactions.  

  • Click the 'View transactions' link on the homepage. 
  •             or

  • Click 'Transactions' on the menu. 

All your transactions are available to view online. However, if you need a paper statement, we can send that to the address we have stored for you*.

​​​​​​​You can request a paper statement in the 'Transactions' section of your online account. Click ‘Transactions’ in the menu and then ‘Post me a statement’.  

Understanding my account

You may be comparing it to the finance amount when you took out the agreement which does not include the interest amount. The outstanding balance figure we show includes any interest and might also include fees and charges you have incurred during the agreement's lifetime. If you would like to discuss this further, please get in touch

You will need to make a payment as soon as possible. 

​​​​​​​If you’re experiencing money worries, it’s important you get help and support as soon as possible. We have a dedicated service to help you as well as information on third parties who can provide support. Learn more about money worries help and support

Your arrears amount includes any fees or charges. It will also include the extra amount due if you have taken a payment holiday. 

If you fail to make payments on time, it may cost more or be more difficult for you to borrow money in the future.  

You may incur fees and charges if you do not follow the terms of your agreement. Some examples are late or missed payments. Please refer to your agreement document for details of the fees and charges you could incur.  

​​​​​​​If you are still unsure or need further help, please get in touch

​​​​​​​Your arrears amount includes any fees or charges. It will also include the extra amount due if you have taken a payment holiday.

If you have missed any payments, you may have more payments left than shown. ​  

Changing your payment day may mean you pay an extra amount. 

​​​​​​​The daily interest you would have been charged between your old and new payment day will be added to your agreement.  

There are certain reasons why this could be. If you do need help and support managing your account, please get in touch.

If you have a PCP (Personal Contract Plan) agreement with us, the 'Optional final payment' amount is the final amount paid to us if you choose to keep the vehicle/goods at the end of your agreement. 

Annual percentage rate (APR) is a measure designed to help you compare credit products. It gives you an indication of the overall cost of the borrowing, taking into account interest, annual compounding and fees. The APR and total charge for credit assume that you make all Repayments on time. 

Flat rate calculation takes the balance financed and multiplies this by an interest rate for each year of the agreement.  

Make a payment FAQs​​​​​​​ 

Looking for ways to pay? Need support getting a settlement amount? Find answers to the most frequently asked questions about payments. 

Get in touch 

We provide a lot of advice and support on our dedicated Help Centre. However, we’re here if you need to speak to us. 

Your agreement FAQs

If you have a question about managing your agreement with us, this article will help. Topics covered: during my agreement, looking after my vehicle and end of agreement. 

Complaints ​​​​​​​

If there's a problem with our products or service, let us know and we'll try to solve it as quickly as possible. 

Money worries ​​​​​​​

Whatever life throws at you, we’re here to help. Get support with money worries.