PayPal Debt Help & Advice
Get advice for PayPal buy now pay later (BNPL) debts and get mental well-being assistance with our IVA, debt management and relief plans.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
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Get information today on your available options
Struggling with PayPal Debt? We’re Here to Help
We help people around the UK deal with missed PayPal repayments and take back control of their finances. Our friendly advisors will listen to your situation and provide advice to help you find the best way forward.
If you’re falling behind on PayPal payments, it can quickly start to feel overwhelming. You might be getting reminders, worrying about your credit score, or unsure who to turn to. But support is available, and you don’t have to face it alone.
At PennyPlan, we speak to people in your position every day. We’ll listen without judgment, take time to understand your situation, and explain the options available, clearly and calmly. Whether that’s setting up a payment plan, looking at debt solutions, or simply helping you feel more in control, we’re here to help you move forward with confidence.
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What Happens If I Don’t Pay My PayPal Loan?
If you miss a PayPal Credit or Pay in 3 payment, you could face late fees and account restrictions. Continued non-payment may lead to your account being passed to a debt collection agency, which can be stressful, especially if you’re already feeling overwhelmed.
While debt collectors can contact you to arrange repayment, they must follow strict rules. They can’t enter your home, and they’re not allowed to pressure or intimidate you. It’s always better to speak up early. The sooner you get help, the more likely it is you can avoid further charges or damage to your credit score.
If you’re unsure what to do next, we’ll help you understand your rights and talk you through your next steps clearly and without judgment.
We Help With Most Debts - Not Just PayPal!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
How To Pay Your PayPal Debt
If your PayPal repayments are becoming unmanageable, you’re not alone, and you don’t need to figure it out on your own either. Whether it’s Pay in 3 or PayPal Credit, falling behind can create stress fast. But there are practical ways to take back control before things escalate.
Depending on your situation, you might be able to arrange a payment plan with PayPal directly. If you’re also dealing with other debts, options like a Debt Management Plan (DMP) or IVA could help simplify things, combining your debts into one affordable monthly payment. And if your income is low and you have very few assets, a Debt Relief Order (DRO) might also be worth exploring.
We’ll help you understand what’s available and guide you through the next steps.
How Could A PayPal Debt Repayment Plan Work
Understanding the options available to deal with PayPal debt is the first step toward taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some PayPal debts potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With PayPal Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
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Get information today on your available options
Get PayPal Debt Help Today & Talk To An Advisor
Dealing with late or missed PayPal repayments can feel overwhelming, but help is available. Our friendly advisors are able to provide free and impartial PayPal debt advice to find the best way forward for you.
Start getting your finances back on track and speak to a member of our team today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Can PayPal debt be included in an IVA or DMP?
PayPal debt can usually be included in both IVA’s and DMP’s as long as it’s classed as ‘unsecured debt’. Whether you’re eligible for an IVA or DMP will depend on your personal circumstances.
Our trained advisors will be able to check whether your PayPal debt qualifies and walk you through the process that’s best for getting you back on track.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
PayPal Debt FAQs
Yes, if you’re struggling to repay your PayPal Credit account, there are debt solutions that may help. These could include a Debt Management Plan (DMP), an IVA (Individual Voluntary Arrangement), or other forms of support depending on your situation. At PennyPlan, we’ll help you explore all your options in confidence.
It’s possible, but legal action is usually a last resort. If your account is seriously behind, PayPal may pass the debt to a third-party collection agency. Speaking to a debt advisor early can help you avoid things escalating — and put a plan in place before it gets to that stage.
If you miss a Pay in 3 payment, PayPal may charge a late fee and could restrict your account. Continued non-payment can lead to collection activity. If you’re already behind or worried you might fall behind, we can help you understand your rights and what support is available.
In most cases, unpaid PayPal debts are passed to external collection agencies. These companies might contact you by phone, letter, or email, but doorstep visits are rare and must follow strict rules. We can help you deal with debt collectors and set clear boundaries.
Yes, missed payments or defaults on your PayPal Credit account can harm your credit score and stay on your report for up to six years. But the sooner you get help, the sooner you can start to rebuild. We’ll talk you through your options, with no pressure to commit.
While you can’t stop PayPal from communicating completely, you can ask for contact to be made in writing only. If you start a debt solution like an IVA or DMP, your provider will deal with PayPal on your behalf, helping reduce the pressure.
