Existing Loans Customers

How can we help?

  • If your circumstances have changed, you can alter the repayment date of your existing loan. You can also change the account from which your loan repayments are made.

    To do this call us on 0345 604 7291 (lines open Monday to Sunday 8am - 10pm). Please give us 15 days notice before your next repayment is due.

    If you want to restart your Direct Debit online, you can reinstate it here.

    You can set up push notifications to remind you when your payments are due, see how to manage notifications here. You can also sign up for text alerts.

  • You can make extra payments to your loan, which will reduce the interest you’ll pay and may reduce your loan term. Payments can be made from a Bank of Scotland current or savings account with Internet Banking. If you make extra payments to your loan, you must continue to pay your monthly repayments. Our calculator can help by showing you how.

    Log in to Internet Banking or use the Mobile Banking app to make an extra payment by selecting your loan from the account overview page.

    If you would like to speak to us, you can call us on 0345 604 7291 (8am to 10pm, 7 days a week) or visit your nearest branch.

  • You can apply for up to two repayment holidays of 1 month in a rolling 12-month period, if approved. Interest will still be charged for the months that you don’t make any payments. This means you'll pay more interest overall and your original term will increase. Our calculator can show you before you apply.

    You need to inform us at least five working days before your next loan repayment is due for this to take effect on your next payment.

    You can request a repayment holiday at any time, providing you:

    • have made at least one repayment, and have a Direct Debit in place
    • are up-to-date with your loan repayments
    • have 30 days or more remaining on your loan term

    You can request a repayment holiday by:

  • You can change the address we hold for your loan using the Mobile app, or Internet Banking. See change your address. You can also do this by visiting your local branch.

Support with the cost of living

With the current rising cost of living impacting many of us, keeping on top of your money might be worrying. Our tools and support can help you stay on top of your spending.

Help with money worries

Help me manage my money

Free independent help and support

Money worries

If you are having financial difficulties and are unable to make your normal monthly loan repayment, it's always better to let us know. We're here to listen and help, without any judgement. Picking up the phone alone won't affect your credit score.

Please take a look at our money worries page, call us or visit a Bank of Scotland branch.

How to manage your loan


You can manage your loan quickly and easily by using the app, or by logging in to Internet Banking.

You can do things like:

  • View your loan statement
  • Apply for a repayment holiday
  • Make extra payments - with no charge
  • Get an early settlement quote
  • Pay off your loan early.

Looking to borrow more?

Decided on a new car, home improvements, or tidying up your finances?

With Bank of Scotland, you can replace your current loan agreement with a new one or apply for a second loan.

Borrowing more

Making sure you get a fair deal

We want you to find a product that's right for your circumstances which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.