FAQs & Contact Us | Payment Assist

Frequently Asked Questions

Who is Payment Assist?

Payment Assist provides payment solutions in a variety of sectors, such as Automotive, Retail & Legal. Payment Assist has been established since 2013, bringing their new ethos to consumer finance in the automotive space. This has mainly been with our short-term interest free finance, which has been both in store and online.

We have also provided longer term finance, both interest free and interest bearing, into other sectors. Payment Assist is regulated by the Financial Conduct Authority

How do I find garages or retailers that use Payment Assist?

Simply by inputting your postcode into the Find a Merchant section on our website, you will be able to select the distance you wish to travel, it will then populate a list within that area.

Am I eligible for Payment Assist Finance?

Your eligibility for finance from Payment Assist will be subject to your circumstances. However, you will need to:

Be 18 years or older
Have a valid mobile telephone number and email address
Have a UK home address
Have a valid UK based Debit card
Not be registered in the Insolvency Register

Will I be credit checked?

We simply check that your card has adequate funds to pay the initial deposit and the address registered to your Debit card matches, but no footprint is left on your credit status and this online check takes seconds. In some instances, we may need to carry out a full credit check, where this is the case, we will ask for your permission before this take place.

How does the 4 months option work?

You will pay a deposit of 25% of the total bill via your Debit card on the day, followed by three more equal payments form the Debit card.

How are my payments taken?

The payments are taken by a Recurring Card Payment Authority instead of a Direct Debit. If your card changes then please contact us and then we can update it to the correct details for you.

What cards do you accept?

You must have a UK based Debit card. Credit cards and certain Debit cards that include prepaid cards that do not allow continuous payments are not accepted. We do accept Credit cards on subscriptions and instant payments.

If you are not sure, then give us a call.

Can I have more than one Plan?

It is possible to have more than one plan running at once providing the amounts are below the merchants limits otherwise a credit check would be required. Please ensure any finance you take is affordable and be aware of how missed payments can effect your credit rating as well as incur additional charges.

Do you have longer payment plans?

Some of our merchants are able to offer longer plans than the 4-month option. For details of these, please contact the merchant directly that you are looking at.

Will I be asked to answer security questions by Payment Assist when applying for finance?

Yes, in order to validate your identity, Payment Assist reserves the right to ask you a number of questions about your personal circumstances. These questions are simply an added level of security to protect you from identity theft. You can also be assured that the merchants do not have access to this information.

How will I know if my Credit Agreement has started?

Once you have completed the link that is sent to you will receive an email confirming it is set up which will include a schedule of your loan payments.

Can I change my payment dates?

Yes, you can call us on 01664 503151 or email us on admin@paymentassist.co.uk where we would be happy to move it to any date within that payment month that better fits your circumstances.

Can I pay in full earlier?

Yes, simply gives us a call on our office number and we can arrange that for you.

Who do I contact if I have a complaint?

If your complaint is regarding a product or vehicle repair, in the first instance we would recommend contacting the merchant directly as they will likely be able to resolve any issues quickly for you.

However, if your complaint is regarding the finance or any service that you have received from Payment Assist, we can be contacted on 01664 503151, or by email at complaints@payment-assist.co.uk.

What should I do if I am unable to make a payment this month?

If you find yourself in this position, please call us on 01664 503151. Alternatively, we can be contacted on email at admin@paymentassist.co.uk or by using the online chat function which is manned weekdays from 10am till 5pm and 9am till 3pm on Saturdays. Payment Assist operates a fair collections policy and will always endeavor to give you adequate time to resolve any financial difficulties in repaying your loan.

Where else can I go for financial help and support?

The Money Advice Service provides free and unbiased information and advice about financial services. They can be contacted by phone on 0800 138 7777 or email - enquiries@moneyadviceservice.org.uk or alternatively, via their website: www.moneyadviceservice.org.uk/en. You can also contact the Money Helper service on their website www.moneyhelper.org.uk which is a free government funded service.

If you live in Scotland or Northern Ireland, please consider www.moneyadvicescotland.org.uk or www.adviceni.net/advice/debt respectively.