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Making extra or increased payments

Yes. You can call up and make extra payments or increase your payments as and when you want to.

There is no penalty for making over-payments, so there is no need to worry about being charged for doing so.

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By Alex Keith
January 20, 2026
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PayItMonthly Ltd T/A PayItMonthly Registered in England and Wales at: Ellenborough House, Wellington Street, Cheltenham, GL50 1XZ. Company Number: 09719909.

*Finder BNPL report (Jan 2025) finder.com **Bain & Company Merchant Survey (2021) bain.com

PayItMonthly is a form of credit that allows you to spread the cost of your purchase over monthly instalments. You must be 18 or over, a UK resident (excluding the Channel Islands), and meet our eligibility criteria. All credit is subject to status and affordability checks. Late or missed payments could impact your ability to access credit in the future. PayItMonthly is deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permissions Regime for Regulated Deferred Payment Credit. Details of the Temporary Permissions Regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority’s website. Terms and conditions apply. For full details, visit payitmonthly.uk/terms