Already have a Lendology Loan?

This page is dedicated to supporting you with your existing loan account, further applications, and enquiries.

Our clients are at the heart of everything we do and whether you’re looking to borrow more for home repairs, settle your loan account or if you’re struggling to meet your monthly repayments, we’re here to help.

We hope you find the answers you need on this page, but if you’re still stuck, we recommend completing our easy-to-use contact form. A member of our friendly team will respond to your request within 1 working day.

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We’re always looking to highlight client stories to promote the work we do. If you’re happy to share your experience with Lendology, please email

Managing your existing loan account

When is my monthly repayment due?

Your first repayment will be at least one month after (but no more than two months) the date on which we advance the Loan.  Your loan drawdown letter will confirm your exact repayment dates and amount, but do contact us if you have any queries.

When completing your loan paperwork, you can state your preferred repayment date, otherwise it will be taken on the 1st of each month. The repayment will be on the same day of the month for subsequent payments. Please contact us if you want to change your repayment date.

Not sure why your first repayment is higher than the agreed monthly repayment? The first repayment can be higher when the period from the date when the loan is released into your account up to the due date for the first repayment is more than one month. In this case, the amount of the first repayment will be increased by an amount equal to interest at the Interest Rate on the amount of the Loan for that excess period.

Can I make overpayments on my loan?

Overpayments of £100 or more can be made at any time throughout the duration of your loan. Our How to Make Overpayments leaflet provides information on how to make ad-hoc lump sum reductions.

If you feel it’s affordable to increase your direct debit, contact us directly and we can amend your monthly repayment to your chosen higher amount.

How much is left on my Lendology loan?

Want to know how much is left to pay on your loan? It’s easy to request an up-to-date loan balance by contacting us or giving us a call.

We send annual statements every year on the anniversary of your loan to give you the previous 12 months transactions on your account. Ad-hoc statements can be sent out on request and sent via email or post.

I want to settle my loan, how do I do this?

If you’re looking to settle your loan account, you can request a settlement figure by getting in touch. Written settlement figures will be valid for 7 days as interest on our loans accrues on a daily basis.

There are no fees for repaying your loan early.

I am moving home, what happens to my Lendology loan?

If you’re looking to move and sell your house, your solicitor will contact us to request a settlement figure on your behalf, this figure will be calculated up to the date of the completion of your sale. The loan will be repaid with the proceeds of the house sale. Upon receipt of cleared funds, we will contact Land Registry to remove the title restriction.

How long does it take to remove the restriction?
We submit the document to remove the title restriction (RX4) when we receive cleared funds for all loans on your account. The timescales for removing them are down to Land Registry, it will be a minimum of 6 weeks and usually longer due to their covid backlog. This may be quicker than 6 weeks under exceptional circumstances.

I am re-mortgaging, what happens to my Lendology loan?

If we hold a title restriction on your property, your new lender requires our consent for the re-mortgage or any further secured lending to go ahead. Before we consent, we will contact you to find out if you are planning to keep your Lendology loan or repay on the re-mortgage.

If you wish to keep your loan with us, we will want to find out more about the new borrowing including the loan amount, repayment type and term. Requests are reviewed on a case-by-case basis. If there is no additional borrowing, consent is automatically granted.

My financial circumstances have changed, how can you help?

If you’re expecting a change in circumstances that may affect your ability to pay your loan or if you’re already having difficulty meeting your monthly repayments, we would encourage you to contact us as early as possible.

By understanding your situation, we can offer tailored support, and, in most cases, there will be an option and the flexibility to help. To speak to one of our team, please contact us.

Does my interest rate change?

All of our loans have a fixed interest rate. This means that the interest rate on your loan will not increase, nor decrease, during the loan term. Increases to the Bank of England base rate will not affect the interest rate on your Lendology Loan.

A borrower has passed away. What happens now?

We are sorry to hear about your loss. Please contact us for details of the next steps. If there are no remaining borrowers, interest on the loan will be frozen for 18 months to allow probate to be progressed.

Life Ledger is a free service that Lendology have subscribed to. This service enables executors to upload a death certificate once and notify 1,000s of organisations across the UK.

If you are a joint borrower and your financial circumstances have changed due to the loss of a significant other, please do contact us. By understanding your situation, we can offer tailored support, and, in most cases, there will be an option and the flexibility to help. To speak to one of our team, please contact us.

New home improvements, new loan

Looking to improve, renovate or repair your home but need further funds? If you’re an existing client, you may be able to borrow more to finance your project.

To find out if we can lend further funds, please contact us. A Case Manager will be able to review your new request and assess your financial circumstances. If your loan was taken out over a year ago, we will require up-to-date bank, mortgage and borrowing statements.

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