A great place to start is to work out your budget based on your available income. Our customers find our easy-to-use Income and Expenditure (I&E) tool, a helpful way of working this out. This is particularly useful if you have fallen into arrears and are working out your available income to set up a repayment plan, or if you feel you are not going to be able to make your next payment.

If you are making an offer to catch up with arrears or working out a repayment plan, we always encourage our customers to ensure that they are up to date with their priority bills such as rent or mortgage, council tax and utility bills before making an offer of repayment.

Once you have completed the I&E form, one of the Team will get in touch to support you with an affordable solution tailored to your circumstances. Alternatively, you can call us on Payment Support team on 01865 475060, and we can complete this together.

We have a range of solutions to work with and support our customers who have fallen behind on their payments or feel that they may be facing challenging financial changes.  Our team are more than happy to explain how we can help once we understand a little more about your circumstances and this will allow us to offer a tailored solution. 

We always encourage our customers to reach out as soon as they feel there may be an issue with payment. This allows us to work together to find the most affordable and sustainable outcome. We will never expect you to pay more than you can afford.

If you want to repay your agreement early, you’ll need to request a settlement quote. This is the amount that you need to pay to clear your finance. 

The settlement figure is valid for 28 days - if you don’t make the full payment within 28 days, you'll need to request a new settlement quote.

You can see your current settlement amount from your account.  You can access your account through our portal or our mobile app.  

You can also use ‘Chat with us’ at the bottom right of this page

If you want to pay off some of your agreement to reduce what you owe, you can do that at any time.  We call this a partial settlement.  You need to let us know before you make the payment that you want to partially settle, so we know it’s not a mistake when we receive the funds.

Head over to our application form to make a new application for finance. 

If you're looking to change your vehicle, our friendly team can help you end your current Oodle agreement at the same time as taking out a new one.  Once you're approved, they'll give you a call to talk it through.

You can update your address details quickly and easily from your account.  You can access your account through our portal or our mobile app.  

You can also use Chat with us at the bottom right of this page.  Choose 'change personal details', and then 'change address'.

You can change your payment date quickly and easily from your account.  You can access your account through our portal or our mobile app.  

You can also use Chat with us at the bottom right of this page.  Choose ‘change direct debit details' and then 'change payment date'.

If something is/will prevent you from making your payments, we want to support you. Our team has received specialist training to assist our customers who may be experiencing difficulties maintaining their payments.  

Please complete the Income and Expenditure form, and we can work together to find a solution that best supports your circumstances.

If you need to make a payment, you can do this by one of the following methods: 

Automated payment line - 03300 082185

Bank Transfer - Account Name: “Oodle Financial Services Ltd”, account number: 73692213, sort code: 40-05-30. Please use your agreement number as the reference.

Log in to your Customer Portal (you will need to use the email address associated with your agreement).

If you're making an arrears payment, this will take a couple of days to show up on your account. Please log into your portal to track.

If you are settling your finance, you will receive a confirmation email when the payment clears. Just so you know, this can take up to two weeks depending on how you made the payment.

Open Banking is a service that allows customers of UK banks to share some of their financial data with authorised businesses.

It allows customers to authorise their bank to share the electronic equivalent of bank statements quickly and simply. If you use Open Banking your bank will only share data with businesses you authorise, and you can withdraw that consent at any time.

Businesses that use Open Banking are regulated by the Financial Conduct Authority. These businesses are varied but include those who provide tools for managing your money in one place and finance companies such as Oodle.

A business asking for Open Banking access should always tell you what data they will access, how they will use it and how long they will have access to it for.

At Oodle we use Open banking in two ways:

1. If you apply for a new loan we want to make sure it is affordable for you. To help us do this we may ask you for documents such as bank statements but you can also use Open Banking to share the same information in minutes, so it is simpler and quicker for you.

2. If you are struggling with your payments to an existing Oodle loan we will try to help you. To understand your financial position and how best to help you we might ask for access to your bank statements via Open Banking. You can provide this information manually if you prefer but using Open Banking makes the process easier and quicker.

If you want to learn more about Open Banking, click here.

To understand more about how we use your personal data accessed via Open Banking, please see our privacy notice.