Help with your account?

Looking to update your details or know how to make a payment? Our guide to your account has got you covered.

How do I update my details?

If you have an existing loan with us, the simplest way to update your personal details is to log in to your account online. The details you can change online are:

  • Your contact details
  • Your address
  • Your payment details

If you'd prefer to speak to someone over the phone, you can also change your personal details by calling us on 01 526 0891 (Monday - Friday 10:00 - 18:00) or email us at [email protected]

How do I reset my password?

Click this link to reset your password, then type in your email address and we will email you a link where you can reset your password (this could go into your spam or junk folder, so make sure you check them).

If you still can't log in, email [email protected] or call us on 01 526 0891 (Monday - Friday 10:00 - 18:00) and we'll be happy to help.

How do I make payments?

Paying back your loan is pretty simple. When it's paid out, we set up a monthly Direct Debit with the details you've given us. So, you don't have to do a thing other than ensure the money is in your account each month.

As part of your application process, we would have also ask for your debt card details as a backup. We'll only ever use this card if for some reason your Direct Debit failed and we needed to stop your account falling behind and keep everything running smoothly.

Do you charge for late payments?

Nope. We don't have any fees or charges whatsoever.

Can I settle my loan early?

Yes, you can settle your loan at anytime. You can do so by callings us on 01 526 0891 (Monday - Friday 10:00 - 18:00).

Can I make extra payments?

Of course. You can make extra payments on top of your normal monthly repayments by logging into your account online.

How do I change my payment date?

If you need to change your payment date, you will need to call our Collections department on 01 526 0891 (Monday - Friday 10:00 - 18:00). You'll need to let us know why you're wanting to change it and we'll do our best to help.

Please bear in mind, we do have a few rules when requesting payment date change:

  • You must have made your first repayment, it's really important you choose the right date when you apply.
  • The loan cannot be behind on repayments.
  • You can only move your repayment date up to 7 days away from your current date.
  • You'll need to give us at least 5 working days notice, so we can change your Direct Debit.
  • We might ask you to show us a letter from your employer to help us understand why you need to change dates.

What if I can't pay?

If for any reason you can't pay, don't worry we're here to help. So we can understand what options are best for you, we'll need to speak to you to understand what's changed. As soon as you know you might not be able to pay, please call us on 01 526 0891. Our aim is always to help you manage the account and get you back on track with your payments.

If we don't receive your payment, we'll keep both you and your guarantor in the loop and let you know. We'll always try to come to an arrangement with you first, however, if for some reason we're unable to do so - that's when we'll look to your guarantor for the payment. Making sure the account stays on track prevents any arrears being unmanageable and the loan term extending.

If you are experiencing financial difficulty, as well as getting in touch with us, you should seek advice from the Money Advice and Budgeting Service (MABS). Details on how to get help from MABS can be found by visiting their website https://www.mabs.ie

What if my guarantor can't pay?

As part of the guarantor application process, we also complete a budget plan similar to yours, to make sure they can afford the repayments. We also check they understand their responsibilities as guarantor and that they could be responsible for making repayments if you don’t. If for some reason anything changes and your guarantor isn’t able to afford the repayments, we’ll need to see what’s changed and what solutions are affordable for them. We understand things happen and want to help.

If neither you or the guarantor can make the monthly repayments and the account remains in arrears for a long period of time with no arrangement in place, we’ll discuss the potential next steps with you both. If things can’t be resolved, there’s a possibility court action may be taken (but we want to avoid this).

This is only a last resort, but it’s important we make sure you’re aware. We’d always do what we can to work with you and your guarantor directly to resolve any arrears and avoid this action.

Can I apply for a second loan?

Once you've borrowed from us you might be eligible to apply for a second loan. This will depend on the following:

  • Your current balance must be €4500 or below
  • You must have made at least 12 monthly repayments on time
  • You must not be in arrears

To see if you're eligible just log in to your online account at www.amigoloans.ie/login

Anything we've not covered?

For more information on our application details or how to contact us, chek out the guides below:

More questions?

By continuing to use the site, you agree to our cookie policy.