Everything you need to know about adjusting your monthly payment date to fit your schedule.
The Basics
What is the payment date change feature?
The payment date change feature lets you move your monthly loan payment due date to a day that better fits you – without changing your loan amount, term, or any other conditions. For example, if your salary date has changed, you can update your payment date to match, so you never miss a payment.
Who can use the feature?
It is available to Bondora Start and Bondora Plus customers only. Additionally, you must have at least one active loan and no overdue payments at the time of your request.
Don’t have Bondora Start or Bondora Plus yet? Upgrading gives you payment date flexibility, plus payment protection and priority support.
What dates can I choose from?
- You can select any date between the 1st and 27th of each month. The exact range shown to you depends on whether you've already made your payment this month:
- If you have not yet paid this month’s payment: You can choose from tomorrow up to the 27th. The change takes effect immediately after you confirm it in the same month.
Note* this also applies to the new loans where no payments have been made yet, however there will be a limited selection of available dates.
If you have already paid this month’s payment: You can choose any date from 1 to 27. The change takes effect from next month.
Please note: Certain dates might not be available to you if the change will increase your interest rate. You will have to change a different date to avoid this.
Do I need a PIN or SMS verification to confirm the change?
No. A payment date change does not require PIN or SMS verification. You simply review a summary of your new schedule, tick a consent checkbox, and confirm with a button tap. Your confirmation is saved securely.
Note: If you use the separate loan rescheduling flow (for example, to lower your monthly payment), that process does require a PIN verification.
Frequently Asked Questions
‘I haven't paid this month yet. Can I change my date to something earlier in the same month?’
Yes. The available date range is always from tomorrow up until the 27th, regardless of whether the new date falls before or after your current payment date. The change applies to your current month's invoice.
Example: Today is the 14th. Your current payment date is the 27th. You can select any date from the 15th up until the 27th.
‘I've already paid this month. When will the new date take effect?’
Since this month's payment is already covered, the new date will apply from next month onwards. You'll see the full range of 1–27 to choose from, regardless of today's date or your current payment day.
Example: Your payment date is the 5th. Today is the 8th, and you've already paid. You want to change to the 20th. The new date will apply starting next month.
'Will my loan term, monthly amount, or principal change?'
No. A payment date change is a scheduling adjustment only. Your loan term, monthly repayment amount, and principal remain unchanged.
Note: Because interest accrues daily, moving your payment date earlier or later in the month may slightly adjust the interest amount for that period.
'How many times can I change my payment date per month?'
There is a monthly limit on how many times the payment date can be changed. Once you've changed the payment date 3 times, the option will be unavailable until the 1st of the following month. You'll see a clear message in the app if your monthly limit has been reached.
Restrictions & error states
I have overdue payments. Can I still change my payment date?
No. The payment date change feature is not available if you have any overdue payments. You'll need to clear your outstanding balance first. Once your account is in good standing, you can use the payment date change feature.
I selected a new date, but got an error about interest or APR. What does this mean?
Our system checks that any new payment schedule stays within the legally allowed Annual Percentage Rate (APR) cap. If your selected date would cause the APR to exceed the regulatory limit, the change cannot be applied.
If this happens, please try selecting a different date. If you continue to see this message, please contact our support team – this may require a more tailored solution.
The feature isn't available to me. Why might that be?
There are a few reasons why the feature might not be available to you:
• You currently have overdue payments on your account.
• You've reached the monthly change limit – it resets on the 1st of next month.
• You don't have any active loans.
I'm seeing a technical error. What should I do?
If you encounter a technical issue, the app will automatically retry. Please wait a moment and try again. If the error persists for more than 30 minutes, please contact our customer support team with the date you were trying to set – we'll resolve it as quickly as possible.
Other questions
I recently rescheduled my loan. Can I still change my payment date?
Yes, in most cases you can. The payment date change feature can be used independently of rescheduling. A common approach is to first resolve overdue payments by rescheduling, then use the date change feature to align your new schedule with your salary date.
Why can't I set my payment date to the 28th, 29th, 30th, or 31st?
To ensure consistent scheduling across all months (including February and shorter months), payment dates are restricted to the 1st to the 27th. This guarantees your payment date exists in every calendar month without exception.
This feature doesn't solve my problem. What else can I do?
If adjusting your payment date isn't enough to address your situation – for example, if you need a lower monthly payment or more time to repay – our loan rescheduling feature may be a better fit. You can access this from your loan dashboard. If you're unsure which option is right for you, our support team is always happy to help.