PLEND'S FAQs
Hey there! We’re currently working on an online portal for existing customers. If you need help in the meantime – here’s some frequently asked questions to direct you to the right place.
Our dedicated customer support team is on hand to help Monday - Friday 9:00am - 5:30pm. You can reach them via live chat by pressing the pink square in the corner.
Please also feel free to contact us at support@plend.co.uk and we’ll get back to you as soon as we can!
How can I see my remaining balance?
Please reach out to us using our live chat function or via email at support@plend.co.uk where we can send you your remaining balance at any point throughout your loan.
How can I settle my loan?
If you want to settle your loan – please let us know via email at support@plend.co.uk – or via live chat (press the pink square in the corner). Once we’ve received your request and confirmed your details, we’ll provide you with the next steps via email on how this can be paid and what your final settlement amount would be, as quickly as we can.
Can I make overpayments towards my loan?
Sure! If you want to make an overpayment towards your loan, please reach out to us via live chat or email at support@plend.co.uk with the amount you wish to make and we’ll advise on how this can be done. Once paid - we’ll reach out with the next steps on what this looks like for you and your loan, depending on how you’d like to proceed.
I’m struggling to make my re-payments. What can I do?
We’re sorry to hear that you’re facing difficulties with your repayments. If you need some help or want to know what your options are, please reach out to us either via live chat or email at support@plend.co.uk as soon as you can, so that we can understand more about your current position and see what we can best do for you going forward. If you are particularly worried and feel that money troubles are getting on top of you, it might also be a good idea to reach out to StepChange. They’re a free debt charity who are available 24/7 and free to contact. You can find their details here.
How can I change my Direct Debit date?
We offer the ability to amend Direct Debit subscription dates for no fee or hassle. Please just reach out to us via live chat or at support@plend.co.uk to advise which date would be best for you. This can be 1st - 28th of the month or the last working day. Please be advised that if you have a Direct Debit coming up in the next few days and want to change the date, we might not be able to cancel this request from being attempted.
Do you offer top-ups or secondary loans to existing customers?
We don’t currently offer secondary loans or top-up amounts to existing customers that have a Plend loan.
How do I apply for a Plend loan?
Just use our loan calculator on the Borrow page to select your loan amount and term. Then click the 'Get Quote' button to start the process.
Am I eligible for a Plend loan?
If you are 21 or over and have had an active UK bank account with open banking access for a minimum of 3 months, you can apply for a Plend loan. We will do our best to support you, but approval is dependent on several assessment factors after you submit your application.
Can I cancel my loan agreement? Is there a cooling off period?
You will have a right to withdraw from the Loan Contract without giving any reason and by giving verbal or written notice of the withdrawal to us (on behalf of the Lender) within the fourteen (14) calendar days starting on the day after you sign it.If you wish to exercise that right to withdraw: You can notify us in writing by email at support@plend.co.uk
You must repay the whole loan amount within thirty (30) days of providing your notice of cancellation, failing which you will be deemed to have changed your mind and your loan will continue as scheduled.
It won't be affected if you ask us for a free quote to see if you qualify, however your credit score could be affected if you're approved for a loan.
You must make your payments on time. We collect repayments using Direct Debit, so you won’t have to do anything except make sure there’s enough money in your bank account. You will also need to ensure you have a plan in place should your financial circumstances change.
The general risk of borrowing with us is the same as the risk of borrowing from any other provider. You will need to consider if the repayments are affordable for you on a monthly basis. You will also need to ensure you have a plan in place should your financial circumstances change.
We will be in touch if we require any more information from you. If you have not been asked to provide any more information, then nothing else is needed at this time.
Unfortunately we can only provide loans to customers who have a bank with open banking access. Most banks allow open banking access, if you are still unsure please check the latest list here
Open banking is a banking practice that provides third-party financial service providers open access to consumer banking, transaction, and other financial data from banks and non-bank financial institutions through the use of application programming interfaces (APIs). You are in control and provide us with the access through the use of Plaid (for more information, click here). Open banking is designed to be safe and secure, it’s regulated by the FCA and uses bank-level security. With open banking and its data, customers are able to receive new offers and products more suited to their financial position right now. Because of this, there are currently over 4.5 million regular open banking users globally.
No. To use open banking, you need online or mobile banking for your payment account.
Open banking has been designed with security at its heart – here’s how:
Bank-level security – open banking uses rigorously tested software and security systems. You’ll never be asked to give access to your bank login details or password to anyone other than your own bank or building society.
It’s regulated – only companies regulated by the FCA or European equivalent can use this technology.
You’re in charge – you choose when, and for how long, you give access to your data.
Extra protection – your bank or building society will pay your money back if fraudulent payments are made.You’re also protected by data protection laws and the Financial Ombudsman Service.
Yes, Plend is fully authorised and regulated by the Financial Conduct Authority (FCA) FRN 963328.
Plaid is the open banking partner that we use to access your financial information so we can better understand your financial situation and offer you a more affordable loan. You can read more about Plaid here.
GIVING THE UK THE CHANCE THEY DESERVE
HEIDI, 48
BUSINESS CONSULTANT FROM NORWICH
Heidi, a single parent with two children, faced financial challenges during the Covid pandemic. To make ends meet, she had to rely on credit cards, which came with high-interest rates. Unfortunately, the interest payments often exceeded what she could pay toward reducing her credit card balances. Heidi's past financial…
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REGISTERED NURSE FROM YORK
Michael had resorted to using multiple credit cards to cover his regular expenses. As time passed, the high-interest rates on these cards caused his debts to grow rapidly, and he urgently needed a solution to consolidate them. Adding to his financial challenges were past mistakes that had a lasting impact on his credit…
Read more…HELENA, 30
FROM ESSEX
Helena was caring for her terminally ill mother and her retired father, neither of whom could work. She took on the responsibility of supporting them financially, covering their bills and the cost of living. Balancing these support costs along with her personal finances became increasingly difficult for her. To ease the financial burden and make payments more…
Read more…JENNY, 29
FROM THE WEST MIDLANDS
Jenny was facing mounting debts on multiple different credit cards, all with increasing interest rates. As a single parent, she faced the dual challenge of managing these monthly payments while coping with ever-increasing living costs. Jenny wanted to consolidate her debts, but she wasn’t sure if she’d ever be accepted for a loan with a reasonable interest…
Read more…BILLY, 38
FROM SCOTLAND
Billy was grappling with various high-interest loans and debts that never seemed to be shrinking. He found himself caught in a vicious cycle of taking out loans to pay off others, and his financial situation was deteriorating rapidly. Billy was determined to tackle his mounting debt by consolidating it into a manageable monthly payment. With Plend, he has…
Read more…HEIDI, 48
BUSINESS CONSULTANT FROM NORWICH
Heidi, a single parent with two children, faced financial challenges during the Covid pandemic. To make ends meet, she had to rely on credit cards, which came with high-interest rates. Unfortunately, the interest payments often exceeded what she could pay toward reducing her credit card balances. Heidi's past financial…
Read more…MICHAEL, 55
REGISTERED NURSE FROM YORK
Michael had resorted to using multiple credit cards to cover his regular expenses. As time passed, the high-interest rates on these cards caused his debts to grow rapidly, and he urgently needed a solution to consolidate them. Adding to his financial challenges were past mistakes that had a lasting impact on his credit…
Read more…HELENA, 30
FROM ESSEX
Helena was caring for her terminally ill mother and her retired father, neither of whom could work. She took on the responsibility of supporting them financially, covering their bills and the cost of living. Balancing these support costs along with her personal finances became increasingly difficult for her. To ease the financial burden and make payments more…
Read more…JENNY, 29
FROM THE WEST MIDLANDS
Jenny was facing mounting debts on multiple different credit cards, all with increasing interest rates. As a single parent, she faced the dual challenge of managing these monthly payments while coping with ever-increasing living costs. Jenny wanted to consolidate her debts, but she wasn’t sure if she’d ever be accepted for a loan with a reasonable interest…
Read more…BILLY, 38
FROM SCOTLAND
Billy was grappling with various high-interest loans and debts that never seemed to be shrinking. He found himself caught in a vicious cycle of taking out loans to pay off others, and his financial situation was deteriorating rapidly. Billy was determined to tackle his mounting debt by consolidating it into a manageable monthly payment. With Plend, he has…
Read more…HEIDI, 48
BUSINESS CONSULTANT FROM NORWICH
Heidi, a single parent with two children, faced financial challenges during the Covid pandemic. To make ends meet, she had to rely on credit cards, which came with high-interest rates. Unfortunately, the interest payments often exceeded what she could pay toward reducing her credit card balances. Heidi's past financial…
Read more…MICHAEL, 55
REGISTERED NURSE FROM YORK
Michael had resorted to using multiple credit cards to cover his regular expenses. As time passed, the high-interest rates on these cards caused his debts to grow rapidly, and he urgently needed a solution to consolidate them. Adding to his financial challenges were past mistakes that had a lasting impact on his credit…
Read more…HELENA, 30
FROM ESSEX
Helena was caring for her terminally ill mother and her retired father, neither of whom could work. She took on the responsibility of supporting them financially, covering their bills and the cost of living. Balancing these support costs along with her personal finances became increasingly difficult for her. To ease the financial burden and make payments more…
Read more…JENNY, 29
FROM THE WEST MIDLANDS
Jenny was facing mounting debts on multiple different credit cards, all with increasing interest rates. As a single parent, she faced the dual challenge of managing these monthly payments while coping with ever-increasing living costs. Jenny wanted to consolidate her debts, but she wasn’t sure if she’d ever be accepted for a loan with a reasonable interest…
Read more…BILLY, 38
FROM SCOTLAND
Billy was grappling with various high-interest loans and debts that never seemed to be shrinking. He found himself caught in a vicious cycle of taking out loans to pay off others, and his financial situation was deteriorating rapidly. Billy was determined to tackle his mounting debt by consolidating it into a manageable monthly payment. With Plend, he has…
Read more…HEIDI, 48
BUSINESS CONSULTANT FROM NORWICH
Heidi, a single parent with two children, faced financial challenges during the Covid pandemic. To make ends meet, she had to rely on credit cards, which came with high-interest rates. Unfortunately, the interest payments often exceeded what she could pay toward reducing her credit card balances. Heidi's past financial…
Read more…MICHAEL, 55
REGISTERED NURSE FROM YORK
Michael had resorted to using multiple credit cards to cover his regular expenses. As time passed, the high-interest rates on these cards caused his debts to grow rapidly, and he urgently needed a solution to consolidate them. Adding to his financial challenges were past mistakes that had a lasting impact on his credit…
Read more…HELENA, 30
FROM ESSEX
Helena was caring for her terminally ill mother and her retired father, neither of whom could work. She took on the responsibility of supporting them financially, covering their bills and the cost of living. Balancing these support costs along with her personal finances became increasingly difficult for her. To ease the financial burden and make payments more…
Read more…JENNY, 29
FROM THE WEST MIDLANDS
Jenny was facing mounting debts on multiple different credit cards, all with increasing interest rates. As a single parent, she faced the dual challenge of managing these monthly payments while coping with ever-increasing living costs. Jenny wanted to consolidate her debts, but she wasn’t sure if she’d ever be accepted for a loan with a reasonable interest…
Read more…BILLY, 38
FROM SCOTLAND
Billy was grappling with various high-interest loans and debts that never seemed to be shrinking. He found himself caught in a vicious cycle of taking out loans to pay off others, and his financial situation was deteriorating rapidly. Billy was determined to tackle his mounting debt by consolidating it into a manageable monthly payment. With Plend, he has…
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