If your circumstances have changed, we are here to help
Whatever your situation we will listen without judgment.
We understand that personal and financial circumstances can change at any time. If things feel difficult or you need a little extra support, please know you are not alone and we are here to help. Our team will take the time to listen, discuss your options and find the right solution for you.
We’re here to help
Ready to contact us?
Having these to hand will help us help you:
- Your agreement number/vehicle registration number
- A brief outline of your situation
- Your monthly income and regular outgoings
What to expect when you contact us
Step 1: get in touch
Choose the contact method that works best for you — phone, email or by post.
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Step 2: your situation
We’ll listen to your situation without judgment — just a conversation. Take your time.
Step 3: your options
We’ll explain your options clearly in plain language, at your pace, covering all options available to you.
Step 4: right for you
We'll agree a plan that’s tailored to your circumstances.
How to get in touch
For a full list of contact options and further support visit our Contact Us page.
You may also find it helpful to seek free and impartial advice from these organisations, who can offer independent support with money worries and debt.
Citizens Advice
Is a network of independent charities that provide free, confidential, and impartial advice to help people in the UK overcome various legal, financial, and personal problems.
citizensadvice.org.uk
0800 144 8848
National Debtline
Is a free, confidential, and independent debt advice service for people in England, Wales, and Scotland. Run by the Money Advice Trust charity, it provides practical self-help tools to help you manage debts and speak directly to creditors.
National Debtline website
0808 808 4000
MoneyHelper
Is a free, impartial service provided by the Money and Pensions Service (MaPS) and backed by the UK government. It was established to consolidate various guidance services—the Money Advice Service, The Pensions Advisory Service, and Pension Wise—into a single destination for financial help.
moneyhelper.org.uk
0800 138 7777
StepChange
Is the UK's leading debt charity that offers online debt advice and support to help you deal with your debts.
0800 138 1111
Mental Health and Money Advice
Clear, practical advice and support for people experiencing issues with mental health and money
Debt Advice Foundation
Is a registered national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt.
0800 043 40 50
Related FAQs
What if my ability to make my payments changes?
If you are worried about making a payment, please contact us as soon as possible.
We understand that situations can change, and we are here to support you.
Depending on how much you have already paid, you may be able to return your vehicle early at no extra cost. You can speak to Customer Support on 0345 128 8908 to discuss your options. If payments are not made in full and on time, and after giving you any notice required by law, Honda Financial Services may need to end your agreement. If this happens, your account may be passed to a collection’s agency, and additional fees may be added to your balance.
We also share information with credit reference agencies. This means that missed payments can affect your credit rating and may make it harder for you to obtain credit in the future.
Speaking with us early gives us the best chance to understand your situation and work with you to find the right support.
What if my circumstances change?
We understand that personal circumstances can change at any time, including during the period of your agreement. If things feel difficult or you need extra support, please know that we are here to help wherever we can.
If you need assistance, please contact Customer Support on 0345 128 8908 or email us at hfe.customerservice@honda-eu.com. We will be happy to talk through your options and offer support.
You can also access free and impartial advice from the following organisations:
Citizens Advice – www.citizensadvice.org.uk/debt-and-money/ - 0800 144 8848
StepChange – www.stepchange.org - 0800 138 1111
National Debtline – www.nationaldebtline.org - 0808 808 4000
MoneyHelper – https://www.moneyhelper.org - 0800 138 7777
Mental Health & Money Advice – www.mentalhealthandmoneyadvice.org
Debt Advice Foundation – www.debtadvicefoundation.org - 0800 043 40 50
How can I make payments?
Your normal monthly payments will be paid by direct debit. If you miss a payment you can call us to pay it over the phone or you can pay by bank transfer.
If you wish to make a lump sum payment to the agreement or early settle your agreement in full, you can pay by bank transfer or by cheque.
To do this, please call Customer Support on 0345 128 8908 and we will be happy to help.
Can I pay off my finance agreement early?
Yes. You can pay off the whole amount early. This could reduce the amount of interest due – in which case, you’ll get a rebate based on a statutory formula set out in the Consumer Credit Act 1974 (CCA). There is no penalty for settling early or cost to request a settlement quote.
You can also make lump-sum repayments as often as you like. If you have a Personal Contract Purchase agreement and make a lump-sum payment, you have three options: reduce the final amount due at the end of the agreement, reduce the term of the agreement, or reduce your monthly payments.
If you have a Hire Purchase agreement and make a lump sum payment, you have two options: reduce the term of the agreement or reduce your monthly payments.
Please call Customer Support on 0345 128 8908 and we will be happy to help you with partial or fully settlement quotations.
Need help managing your agreement?
We understand that there may be times when additional support is needed. You can have the option to add a third party to discuss your agreement information.
You can contact our Customer team to request our Third-Party Authority Form and this will help ensure that the person you trust is able to assist you when speaking with us. They won’t be able to make any changes, but they will be able to discuss all aspects of your agreement with Honda Financial Services.
To request the form to be sent to you, you can call us on 0345 128 8908 or email us at HFE.CustomerService@honda-eu.com.
Once we receive your completed and signed form, we will update your account and add your chosen third party.
Please note that this authority remains in place until you ask us to amend or remove it. You can withdraw or change this permission at any time by contacting us.