You call the shots,
we sort the fine print.

We know how difficult managing debt can be — so we simplified it.
With automatic payments and online account management, you can get on with life, while we handle the details.

Get started

How it works

Activate your online account

Manage your debt anytime, anywhere.

Set up flexible repayments

Pay when and how it suits you.

Access understanding support

Our team is always here to lend a hand.

Get started

Ready to get started?

Activate your online account with your 6-digit reference code, found on any message from us.

Get started

Customer care
you can trust

Our approach puts you front and centre, throughout your repayment journey and beyond.

I felt truly listened to

Never thought I'd say that about a debt collection agency!

Samantha

All debt companies should be like this

All debt companies should be this understanding.

Jod

Really caring and understanding

Ophelos has never made me feel bad about my situation. Instead they were totally supportive.

Louise

Good company with the best intentions

Ophelos has helped me out during some really difficult times, always going above and beyond.

Sierra

Breath of fresh air

Lovely and super efficient company and great experience in a market renowned for poor service.

Craig

Need a hand?

If you’ve got questions, check out our FAQs or learn more about how Ophelos works in our help centre.

Help centre

I can't afford to pay right now, what can I do?

Ophelos is a digital debt collection service. We work with companies to help their customers repay debt. We believe in a new kind of debt collection — one that works on your terms, with no hidden costs and an approach that puts you first.

How do I find my reference code?

You can find your 6-digit reference code in any email, text or letter from us. You will need your reference code to activate your online account.

How do I set up a payment?

You can set up a payment from your online account. To get started, log in using your reference code. In your account, you’ll be able to see your debt balance, browse your payment options and enter your payment details.

What is Ophelos?

We understand everyone's financial situation is different. If you can’t afford to start paying back your debt right now, let us know. Log in to your account and get in touch with us via our live chat.

You call the shots, we sort the fine print.

How it works

Activate your online account

Set up flexible repayments

Access understanding support

Ready to get started?

Customer care you can trust

Need a hand?

I can't afford to pay right now, what can I do?

How do I find my reference code?

How do I set up a payment?

What is Ophelos?

You call the shots,
we sort the fine print.

Customer care
you can trust