Request a dated amount
Use the creditor’s verified contact on your agreement. Provide the agreement reference and intended payment date, and ask for a written settlement quotation with a breakdown and validity date.
Use the current figure
The public calculator is not your outstanding balance. A settlement figure depends on payments already allocated, the timing and the agreement. Do not simply add the remaining scheduled instalments or subtract an estimated amount of interest.
Pay using verified details
Check the receiving account and exact payment reference. Keep proof of payment. If the quotation expires before you pay, ask for a revised figure.
Confirm the account is closed
After the payment has cleared and been allocated, request a paid-up letter. An eligible previous loan fully settled early can meet the Together full-repayment condition.
Sources and further reading
Sources checked on 28 October 2026. This page explains general information; your agreement and applicable law govern your loan.