• Managing your loan

    Read answers to frequently asked questions - including how to check your balance or how to pay off your loan early.

    • You can make extra payments to your MBNA loan. This will reduce the interest you’ll pay and may reduce your loan term. Keep in mind that you'll need to keep making your monthly repayments, even if you make extra payments.

      You can make extra payments over the phone on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week. Payments can be made over the phone from any UK current account or building society account.

    • You can pay off your loan in full at any time. This is known as an early settlement. Keep in mind that if you pay off your loan early, we will charge you up to 58 days’ interest. This charge is known as an early settlement adjustment.

    • You can get in touch on 0330 678 1430 to manage your account. You can also find out how much you’ll need to pay off your loan early. Lines are open 8am to 10pm, 7 days a week.

      You can also find lots of information about your account in your personal loan terms and conditions.

    • Yes, you could apply to borrow more money at any time.

      You can either:

      • Apply online for another loan that you’ll repay separately to your existing loan.
      • Call us to close and replace your existing loan with a new larger one. This means you’ll have just one monthly repayment.

      You can get in touch on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week.

      If you pay off other borrowing with a new loan, you may pay a higher rate of interest or make repayments over a longer term. This means that you may pay more interest overall.

      Also keep in mind that if you pay off your existing loan early, you may be charged up to 58 days interest. This is known as an early settlement adjustment.

    • For the full list of ways to say hello, have a look at our contact us page.

    Making sure you get a fair deal

    We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

    To find out more you can read the statement of responsibilities (PDF 275kb), which details what's expected of us, the lender and you the borrower.