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 everyday. 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.

      We know picking up the phone is the hard part – a lot of our customers say that – but it’s better in the long run if you do it sooner rather than later.

      Depending on your circumstances, your options could include:

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

      Taking one of these options may mean you need to pay more in other months to get you back up to speed, but we'll talk you through this when we chat.

      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.

        We know picking up the phone is the hard part – a lot of our customers say that – but it’s better in the long run if you do it sooner rather than later.

        Depending on your circumstances, your options could include:

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

        Taking one of these options may mean you need to pay more in other months to get you back up to speed, but we'll talk you through this when we chat.

        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 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 get in touch to discuss your options.

              If you have a current account...

              And you're struggling to pay back your overdraft, please contact us on 0345 366 6468.

                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 to get in touch

                    If you missed your last payment by accident, you can find out what happens when you miss a payment and how to make up your payments here.

                    Can't afford to pay? We can help. We have specialist teams ready to discuss your situation and come up with a plan. Depending on the product you need support with, call us on:

                    If you have debts with other lenders, there are various debt charities who can offer you help and advice.

                    We can help. We have specialist teams ready to discuss your situation and come up with a plan. Depending on the product you need support with, call us on:

                    If you have debts with other lenders, there are various debt charities who can offer you help and advice.

                    Ok, we can help you figure this out.

                    First, we'll need you to fill out this income and expenditure form. Then we'll give you a call.

                    The form is the quickest way for you to give us all the information we need to get you the right type of support.

                    You'll be asked to create an account, give us some information about the money you have coming in and going out, and tell us a good time to call you. When we call we'll talk you through the support we can offer based on your situation.

                    If you have debts with other lenders, there are various debt charities who can offer you help and advice.

                    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 debt support you could also talk to:

                    StepChange

                    For free advice, to help you deal with your debt and set up a solution.

                    PayPlan

                    To get free debt help and advice, including debt management plans.

                    Business Debtline

                    If you're self-employed or run a business and need support with business or personal finances.

                    For help in other ways: