You may be able to apply for payment breaks directly with your lenders, up until 31 March 2021. This will generally give you three months payment breaks per application, however, all payment breaks are scheduled to end by 31 July 2021 and if you've already had two payment breaks, you cannot apply for another payment break - you will then revert into what becomes known as Tailored Support.
Payment breaks and Tailored Support apply to a range of products from credit cards and loans to mortgages and car finances.
In theory, applying for a payment break under the current rules would have no impact on your credit rating, however, getting a payment holiday under tailored support will impact your credit rating.
As Tailored Support is more ambiguous in its definition, it's down to your lender to advise on what they can offer you including a (further) payment deferral a (further) period of reduced payments, waiving or reducing interest, agreeing on a repayment plan and/or refinancing your credit agreement.