Help with financial difficulty

Worried about making payments or already slipped behind? We're here to help you find the support you need, whatever that may be.

    Girl with dog

    We help our customers get on top of their money worries every day. So talk to us, we’re ready to listen. Whatever the reason for the issues you have, we'll help you find a solution that works for you.

      Here's what you can expect from us

      I have a Tesco Bank Loan

      If you have a loan with us...

      And you're struggling to make your monthly payment amount, there are different ways we can help. All you need to do is reach out to chat about your situation.

      Depending on your circumstances, your options could include:

      • reducing the amount you pay for a period of time
      • more time to make your payment

      We know taking the first step can be hard – a lot of our customers say that – but it’s better in the long run if we talk sooner rather than later.

      The easiest way to get in touch is by using our online budget calculator to answer some questions about your situation. Once you’ve given us the information we need to help you, we’ll call you to talk through your options.

      When you use our budget calculator it’s really useful to have details of your income and outgoings to hand.

      If you’d prefer to speak to someone now, or need help completing our budget calculator, you can call our Financial Assist team on 0345 300 4547.

      The sooner you get in touch with us, the more options we’ll have to help you.

        I have a Tesco Bank Credit Card

        If you have a credit card with us...

        And you're struggling to make your monthly payment amount, there are different ways we can help. All you need to do is reach out to chat about your situation.

        Depending on your circumstances, your options could include:

        • reducing the amount you pay for a period of time
        • more time to make your payment

        We know taking the first step can be hard – a lot of our customers say that – but it’s better in the long run if we talk sooner rather than later.

        The easiest way to get in touch is by using our online budget calculator to answer some questions about your situation. Once you’ve given us the information we need to help you, we’ll call you to talk through your options.

        When you use our budget calculator it’s really useful to have details of your income and outgoings to hand.

        If you’d prefer to speak to someone now, or need help completing our budget calculator, you can call our Financial Assist team on 0345 671 0677.

        The sooner you get in touch with us, the more options we’ll have to help you.

          Struggling to pay off your balance?

          If you’re paying more towards interest, fees or charges than your outstanding balance, visit our page on ‘persistent debt’ – what this situation is often referred to.

            I have another Tesco Bank product

            If you have home insurance with us...

            And you miss a payment, your policy may be cancelled. So if you're worried about making payments it's important that you call us on 0345 0303 202 to discuss your options.

              If you have car insurance with us...

              And you miss a payment, your policy may be cancelled. So if you’re worried about making payments it’s important that you call us on 0345 246 2895 to discuss your options.

                If you have a current account...

                And you’re struggling to pay back your overdraft, please get in touch with us on 0345 366 6468 to see how we can support you.

                  What to expect when we chat

                  When we chat, we'll:

                  • Listen - we want to hear about your situation
                  • Speak in plain English
                  • Discuss the best options for you as an individual
                  • Tell you everything you need to know
                  • Work out the best option together - we won’t make any decisions for you, you’ll be in control of what happens next
                  • Make sure you have the time you need to feel comfortable with your decision

                  Our customers often tell us how nervous they were before they got in touch, and how they wished they'd just contacted us sooner. Take that first step by reaching out to us today.

                    What happens next

                    We’ll always be here to support you when you need us

                    Once we've worked out a plan that suits you, we'll keep an eye on your account for you. If something changes, like a payment is missed, we'll get in touch. This could be by phone, text or letter.

                    If your situation changes in future, please get in touch so we can look at your circumstances again.

                      How we’ve helped others through tough times

                      Less money coming in or redundancy

                      If you or someone close isn't well

                      Problems with gambling

                      Struggling with addiction

                      For free and impartial debt support, you could also talk to:

                      StepChange

                      For help with your debt and to set up a solution. Or call on 0800 138 1111.

                      PayPlan

                      For debt advice, including debt management plans. Or speak to an expert advisor on 0800 280 2816.

                      Business Debtline

                      If you're self-employed or run a business and need support with business or personal finances. Or simply call on 0800 197 6026.

                      For help in other ways: