You should only use BNPL if you can keep up with the repayment terms. Always contact your BNPL provider if you are in financial difficulty that impacts your ability to make repayments.
If you are using BNPL as a way to cope with the rising cost of living, there may be other options available to you.
There are many organisations who can help you, such as Advice NI or Christians Against Poverty.
Advice NI’s Debt Action service, provides free, confidential help and advice for anyone struggling to deal with money and debt. They can provide advice on debt related issues and provide a range of debt solutions including debt management plans, bankruptcy, individual voluntary arrangements and debt relief orders. You can contact them:
- Freephone 0800 915 4604
- Text ACTION to 81025 for a call back
- Email firstname.lastname@example.org.
- Visit Advice NI's website to see local advice centres in your area. You can contact them directly to book a face to to face appointment.
Advice NI’s Business Debt Service, is a free, confidential telephone advice service offering tailored, independent and impartial advice for sole traders, partnerships and Limited Companies and aims to resolve any immediate business debt problems. You can contact them on Freephone 0800 915 4604 or email email@example.com.
Advice NI’s Money Talks is a money and debt online resource hub specifically tailored for people living in Northern Ireland. The site provides tools such as benefits calculators and detailed guides on money and debt including debt management and bankruptcy.
Christians Against Poverty
Christians Against Poverty (CAP) provides expert debt advice to the public regardless of age, gender, faith or background. CAP has a Freephone hotline on 0800 328 0006. Once an appointment is made support is provided by a local Debt Coach.