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Money worries

You may be dealing with something unexpected such as an injury or illness, a job loss or relationship breakdown, all of which may affect your ability to make payments. You may be impacted by the rising cost of living.

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Whatever the reason is, we’re here to help. Don’t wait to miss a payment before you talk to us- just talking to us about your options won’t affect your credit score.

We understand that money worries can be difficult to discuss, which is why our staff are specifically trained to listen to and talk with you about your individual circumstances and tailor solutions that work for you.

You'll also find information here on a range of support and advice you can get for free from independent providers.

Personal customers

If you have personal lending with us

Our personal lending team are here to help you if you have borrowed money from us in a personal loan or through a point of sale loan you took when you bought something. Our team can help with both types of lending.

How to get in touch

Loans taken after 13th December 2021

If you took your loan with us on or after 13th December 2021 you can contact us by logging in to your customer portal.

You can also contact us by calling us on 0333 003 0260.

Our team is available:

Monday - Thursday: 8am-8pm
Friday: 8am-6pm

We're closed at weekends and on public holidays.

A Shawbrook personal loan is an unsecured loan.

With a Shawbrook loan, you could borrow between £1,000 - £50,000.  You can take the loan over one to seven years, depending on the amount you wish to borrow. 

The rate is fixed across the whole of the term.

Find out more about our personal loans and how to apply.

This is an unsecured loan taken out through one of our approved partners to spread the cost of larger purchases. We no longer accept new applications but if you are an existing customer and need help managing your account, please take a look at our FAQs or contact us.

If you have residential property finance with us

Our residential property finance team are here to help you if you have a first or second charge property finance loan with us, secured on a property you live in. Our team can help with both types of lending.

How to get in touch

0345 650 6288

Our teams are available:

Monday - Thursday: 8am - 8pm
Friday: 8am - 6pm
Saturday: 9am - 2pm

We're closed on Sundays and public holidays.

Some customers find it useful to use an income and expenditure form. We'll follow a similar process if you call us. If you'd prefer to work through the income and expenditure form yourself, please follow the link, submit the form and we'll contact you to talk through the form and how we can help.

If you have savings with us

If you have money saved with us and you have money worries, please get in touch and we'll see what we can do to help.

How to get in touch

0345 266 6611

You can also log in to our eSavings platform and send us a secure message.

Our team is available:

Monday - Friday: 9am - 5:00pm

We're closed at weekends and on public holidays.

Business customers

If you have commercial property finance with us

Our commercial property

Our commercial property finance team are here if you have a buy to let or property investment mortgage with us.

How to get in touch

0345 650 6288

Our teams are available:

Monday - Thursday: 8am - 8pm
Friday: 8am - 6pm
Saturday: 9am - 2pm

We're closed on Sundays and public holidays.

If you have business finance with us

Most of our business customers should contact us on the number below, but with certain lending it's better to speak to your relationship manager or broker. You can find details of our relationship managers on our contact page.

How to get in touch

0330 123 4502

Our teams are available:
Monday - Friday: 8.30am - 5pm

We're closed at weekends and on public holidays.

Getting the help you need

If you’re in financial difficulty it can impact both your mental and physical health and wellbeing. Taking a proactive approach to managing your money worries is always the best way forward. If you are facing any of the following situations, it might be time to think about getting some help.

  • You're worried about money and paying back what you owe - your debts feel like a huge burden
  • You're being contacted about unpaid bills and missed payments
  • You're dealing with difficult circumstances which are making it harder for you to manage your money
  • You're regularly spending more than you earn
  • You're struggling to pay your mortgage, rent, utility bills, or minimum payments on your credit cards
  • You can't manage your day to day spending without relying on your credit card or overdraft
  • Your credit cards are at the maximum credit limit

Other organisations that can help

You can get other money advice for free. Whether it's you or your business that's experiencing difficulties, there are a number of charities and agencies that can help.

Whether you work with independent advice or speak to us directly, you can be sure our team will treat you with the same compassion and understanding.

Citizens' Advice

Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Step Change

Get expert advice and fee-free debt management tips.


Free advice on debt, divorce/separation, care & disability and pensions. You'll also find tools like the household budget planner.

National Debtline

Free and confidential advice on debt.


Support for anyone suffering with mental health problems.

Business Debtline

Practical self-help – for small business owners and self-employed people with money worries.