There are two steps to making sure you make all your personal loan repayments on time. The first is to set up a direct debit to ensure your personal loan provider can take the repayments from your bank account at the agreed intervals. If you take out a personal loan with NOW FINANCE, this will be on a weekly or a fortnightly basis. The second step is to manage your finances to ensure that your funds will be in the bank so that the payments can be taken. If your financial circumstances change at any point during your loan term, you should speak to your personal loan provider, who will discuss your options with you. If you need to do something as simple as change the day your direct debit payment is taken, this shouldn’t be a problem for most personal loan providers.