Facing Financial Difficulties
Financial difficulties can arise at any time, often due to circumstances beyond your control — such as redundancy, divorce and separation, illness, or a change in income. It's important to get in touch with us as early as possible.
We're here to help
If you're an AlRayan Bank customer and are concerned about your finances - whether it's keeping up with your HPP payments, managing your savings, or anything else - please get in touch as soon as possible. When you contact us, we will:
- Listen to your situation without judgement
- Take your personal circumstances into account
- Be open and honest with you throughout
- Explain your options clearly
- Work with you to find a suitable solution
Before you get in touch
To help us support you more quickly, it may be useful to have ready:
- Details of your income (for example, salary, benefits, pension payments, self-employment income, or any other regular sources of income)
- Your monthly expenses (for example, rent or mortgage payments, utility bills, council tax, food shopping, travel costs, childcare, and insurance)
- Information about any debts or financial commitments (for example, credit cards, personal loans, car finance, home finance payments, buy now pay later agreements, or other regular repayments)
How to contact us
The sooner you contact us, the sooner we can help.
- Web form (recommended)
- Phone - speak directly to a specialist adviser
- Email - FinancialSupport@alrayanbank.co.uk
Free and independent support
You may also find it helpful to speak to an independent organisation that offers free, confidential advice.
Free debt and money advice:
MoneyHelper - moneyhelper.org.uk | 0800 138 7777. Free, impartial money and debt guidance backed by the government, including a free budget planner and debt advice locator.
StepChange Debt Charity - stepchange.org | 0800 138 1111. Free, confidential debt advice and practical solutions, including debt management plans.
Citizens Advice - citizensadvice.org.uk. Free advice on debt, benefits, housing and more.
National Debtline - nationaldebtline.org | 0808 808 4000. Free debt advice for people in England, Wales and Scotland.
AdviceUK - adviceuk.org.uk. A network of independent advice centres offering free support across the UK.
Budgeting tools:
MoneyHelper Budget Planner - moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner. A free, easy-to-use tool to help you understand your income and outgoings.
StepChange Debt Remedy - stepchange.org/debt-remedy. A free online tool that analyses your situation and recommends a suitable debt solution.
Quick tips
- Act early - getting in touch sooner means we can explore more ways to support you
- Have your income, expenses and commitments ready before you contact us
- Free, independent advice is available if you'd find it helpful
Need help?
Financial difficulties can affect anyone, and the most important thing is to act early. You can also find help on related topics: