Buy Now, Pay Later Debt Help & Advice
- 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.
Rated Excellent
100% FREE ADVICE
Get information today on your available options
Struggling with BNPL Debt?
Many people turn to BNPL as a flexible way to spread costs. But when payment reminders start coming in, or you’re missing installments across multiple providers, the stress can build quickly.
Whether you’ve missed a single payment or are dealing with several overdue accounts, there are ways to get help. We’ll take time to understand your full situation and talk you through solutions like Debt Management Plans (DMPs), IVAs or even Debt Relief Orders (DROs), depending on what’s right for you.
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Get Buy Now, Pay Later (BNPL) Debt Support
If Buy Now, Pay Later payments are starting to pile up, you’re not alone. Klarna, Clearpay and PayPal can make shopping costs feel lighter, but when circumstances change or bills stack up, it’s easy to fall behind.
We support people across the UK who are dealing with BNPL debt. Our advisors offer free, friendly guidance to help you understand your options and take back control of your finances.
Klarna
When instalments pile up or you’re hit with reminders, Klarna debt can become stressful. We’ll help you explore your options, deal with any collection agencies, and find a repayment path that works for you.
Clearpay
If you’ve fallen behind on Clearpay, you might be facing late fees or account restrictions. Our team will explain your rights, talk through your next steps, and help you move forward with confidence.
PayPal
PayPal debt can sneak up, especially if you’re juggling other repayments. Whether you’re getting payment reminders or calls from collectors, we’ll help you find the right support.
We Help With Most Debts - Not Just BNPL!
*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 Off Buy Now, Pay Later Debt.
Falling behind on BNPL payments can quickly become stressful, especially if you’re facing late fees or hearing from debt collectors. But you don’t have to deal with it on your own, there are practical steps you can take to get back on track.
Some providers like Klarna, Clearpay, or PayPal may offer repayment plans directly. If you have other debts building up too, options like a Debt Management Plan (DMP) or Individual Voluntary Arrangement (IVA) can help you manage everything in one monthly payment. And if your income is low, a Debt Relief Order (DRO) could give you a fresh start.
Our team is here to explain what’s available and support you through your next steps.
Buy Now, Pay Later Debt Repayment Plan Options
IVA
Individual Voluntary Arrangement
An IVA consolidates debts into one affordable plan, with some BNPL debt 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 Buy Now Pay Later 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?
100% FREE ADVICE
Get information today on your available options
Take Control Of Your BNPL Debt Today!
Buy Now, Pay Later (BNPL) repayments can feel unmanageable, especially if your situation changes. But, we’re here to help. Our advisors will take the time to listen and understand your situation fully, without pressure or judgment.
We’ll explain your options clearly, check if you’re eligible for a debt solution, and support you every step of the way. The goal is to help you feel more in control, one step at a time.
Start moving forward with confidence and talk to us today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
What happens If I can’t pay back a buy now, pay later (BNPL) loan?
If you’re unable to keep up with BNPL payments, you could face late fees, account restrictions, and damage to your credit score. In some cases, companies like Klarna, Clearpay or PayPal may pass your debt to a third-party collection agency.
This can feel intimidating, but there are ways to take back control. Klarna runs a Financial Hardship Programme, and in some cases, you can speak to the lender directly to set up a payment plan that works for you.
We can help you explore your options so you can get the support you need and start moving forward.
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.
Buy Now, Pay Later Debt FAQ’s
Yes. If you’re struggling with Klarna, Clearpay or PayPal debt, there are debt solutions that could help. These might include a Debt Management Plan (DMP), Individual Voluntary Arrangement (IVA) or Debt Relief Order (DRO), depending on your circumstances. A free debt advisor can talk you through your options.
Yes, missed Buy Now Pay Later payments can be reported to credit reference agencies, especially if the debt is passed to a collection agency. This may lower your credit score and affect your ability to get credit in future. Acting early can help protect your credit file.
Yes. Most BNPL debt can be included in both IVAs and DMPs as long as it’s unsecured. These solutions combine your debts into one affordable monthly payment, making them easier to manage. An advisor can confirm whether your BNPL debt qualifies.
They can, but they must follow strict rules. If your BNPL debt is passed to a debt collection agency, you may receive calls or letters. They cannot enter your home or pressure you into payments. We can help you deal with collectors and set clear boundaries.
Yes. If you have a low income and very few assets, you may qualify for a Debt Relief Order (DRO), which can clear certain debts after a set period with no repayments. Alternatively, an IVA (Individual Voluntary Arrangement) could help you repay your BNPL debt through one affordable monthly payment. A debt advisor can talk you through both options and check what you might be eligible for.
