How to Set Up a Payment Plan

Work out what you can afford

Before you propose a plan, look honestly at your budget and decide what you can pay each week, fortnight or month after your essential costs. A realistic instalment you can sustain is far better than an ambitious one you cannot keep up.

If money is very tight, our guide on how to pay if you can't afford the full amount sets out the support available.

Step by step

1. Have your reference number ready and decide on the instalment amount and frequency you can manage.
2. Contact Merion through the Help Centre to propose your plan.
3. Explain the amount you can pay and how often. We will discuss what can be accommodated for your account.
4. Agree the schedule, including the first payment date and the final payment date.
5. Ask for the arrangement to be confirmed in writing so you both have a record.
6. Set reminders, or set up automatic payments, so each instalment is made on time.

Keeping your plan on track

Once a plan is agreed, the most important thing is to keep to it. If your circumstances change and you think you may miss a payment, contact us early — adjustments are usually possible when we know in advance.

You can make each instalment on the Pay your balance page using your reference number.