Repayment Calculator
You can see how much interest you could save, or how much quicker you could clear your balance by using the repayment calculator below.
Let's work it out
See how increasing your monthly payments can reduce the cost and the time it takes to pay off your balance...
Minimum payments mean you pay more interest
Your estimated minimum payment of £ will decrease each month, meaning you'll be in debt for longer. See how much you could save by switching to a fixed payment.
If you only ever pay the minimum payment, it will take you longer to pay your balance off and you will be charged more interest.
If you can afford to continue making payments of , why not see how much you could save by making this a monthly fixed payment?
See how a few extra pounds can save you even more.
If you'd like to compare this to a minimum payment, please start again.
The results of the repayment calculator are for illustration purposes only. We assume one payment is made every month, there are no additional transactions or fees and the interest rate is applied to the full balance. The repayment calculator does not include interest that may be applied for the delayed payment period for Buy Now Pay Later transactions, and any balances you might have on a Persistent Debt Plan.
How can I change what I pay?
Once you've worked out what you can afford to repay each month, you can choose to either:
- Increase your monthly payment to an amount you can afford.
- Continue to make your minimum payment each month, but also make additional payments when possible.
You can make a payment anytime in My Account or by giving us a call and using our automated payment service, click here for details.