How long does a loan payment take to clear in the UK?

Debit card payments are normally applied to your account the same working day. Direct Debit collections and standard bank transfers can take up to three working days to clear.

Timing matters most around a due date: if you are paying close to the deadline, a same-day debit card payment is the surest way to have it applied in time, since transfers and Direct Debit can take longer to settle.

If a payment has not appeared after three working days, contact us with the date, amount and method used and we will trace it for you. You can also see the ways to make a payment or check whether a payment has reached us.