Help centre

Your payment options explained


At Ophelos, we believe in keeping things flexible. That’s why we offer different payment options.

Your payment options will depend on your debt. In your online account, you may see that all or only some of our payment options are available.

To see which ones are available to you, log in to your account using your 6-digit reference code.

Our payment options


Pay in full

This is the quickest and easiest way to pay off your debt. Payment is taken immediately and you’ll pay off everything you owe in one lump sum.

Pay in full on a scheduled future date

This option allows you to pay in full on a future date of your choosing. Set up your payment today and we’ll take your payment in full on your selected date. You can select a date up to 30 days in advance. 

Payment plans

If you can’t pay in full, you may be able to set up a payment plan to split your payments into monthly instalments. If this option is available to you, we’ll suggest a payment plan amount in the payment plan section of your account.

Can’t afford any of our payment options?

If you’re struggling financially and don’t think you can afford to pay, find out what to do here