You should consider all your debts as a whole. It’s important to make all your repayments on time because late payments could affect your chances of getting a loan or a credit card in the future. We offer many options for you to adjust your loan and credit repayments. Read more about your alternatives: FlexiPayment for home loans and secured loans How to manage your home loan and secured loans  How to manage your credit card How to manage your FlexiCredit How to manage your student loan