.cls-2{fill:#fff} MBNA logo Register for online card services Login to online card services Credit cards Loans Help and support About us Home Understanding credit Managing credit Making payments to your loan Making payments to your loan Clearing your balance Your credit card statement explained Your credit card limit explained Fees and charges explained Making payments to your credit card Making payments to your loan Managing and using your credit card Managing your personal loan Making your minimum monthly payment Applying for a second credit card How to pay your personal loan For personal loan accounts, you’ll need to set up a Direct Debit to cover your fixed monthly repayments. Once it’s in place, your repayment will be taken automatically and on-time from your bank or building society every month. The money will be collected from your bank or building society by the next working day. Managing your Direct Debit You’ll need to make sure there’s enough money in your nominated bank or building society account to cover the amount of your monthly Direct Debit. If you miss a repayment, you could be charged £25 and more charges might be applied if you don’t catch up. To change the current account your Direct Debit is paid from or the repayment date of your personal loan, please get in touch on 0330 678 1430. We’re here 8am-10pm every day. Standard network charges may apply. Making additional payments You can make further payments whenever you like. There are no charges for paying extra, but bear in mind there’s an early settlement fee (up to 58 days’ interest) if you clear the whole loan amount before the end of its term. To make additional payments, you can: Get in touch on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week. Make a payment from your current account using the following details: Account number: 90000468 Sort code: 77-77-90 Your 12 digit loan number as a reference. For both debit card and bank payments, the funds are applied to your loan account on the working day they’re received. Statements Because your repayments are fixed for the term of the loan, you won’t receive a monthly statement. However, you will be sent an annual statement, and you can keep track of everything online. Getting in touch If you need to talk to us about anything to do with your loan, including letting us know if you’re experiencing difficulties making repayments, please get in touch on 0330 678 1430 (lines are open 8am to 10pm, 7 days a week). You can also find more info on the Managing your loan page. Please note: the content on this page is not intended to be taken as financial advice or recommendation made by MBNA. You should seek independent financial advice if unsure about your financial needs. Understanding credit Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services. Personal loans: for personal (unsecured) loans, MBNA Limited: Works exclusively with Lloyds Bank plc. Is a credit broker and not the lender. MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board. MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com. The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over. For credit cards and loans, the interest rate offered to you will also be based on this assessment. Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations. Not all telephone banking services are available 24 hours, 7 days a week. Please speak to an adviser for more information. 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