Lender Details›PayPlan Limited
Debt Advice

PayPlan Limited

Also known as: PayPlan; Totemic Limited (FCA-authorised trading entity)

PayPlan provides free debt management plans and other debt solutions. The FCA-authorised trading entity is Totemic Limited (FRN 681263). PayPlan Partnership Limited (company no. 07199691) is a sister company specialising in IVAs, regulated by the Insolvency Practitioners Association (IPA). PayPlan's free DMP service is funded by creditor contributions.

General guidance only. Information on this page is for general reference and should be verified with the company directly, via the FCA Register, or Companies House before relying on it. Ask Fin does not provide regulated financial, debt, or legal advice. Fields marked “Not verified” have not been independently confirmed.

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Contact details

Websitehttps://www.payplan.com
PhoneNot verified
EmailNot verified
Registered addressKempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA
Customer contact addressKempton House, Dysart Road, Grantham, Lincolnshire, NG31 7LE

Visit PayPlan Limited website ↗

Regulatory and company information

FCA Firm Reference Number681263
FCA statusAuthorised (via Totemic Limited, FRN 681263)
Companies House number11193612
Company statusActive
Parent companyNot verified
Check FCA Register ↗Check Companies House ↗

What they do

Main products and services

Free debt management plans (DMP); Individual Voluntary Arrangements (IVA); Debt Relief Orders (DRO); Bankruptcy advice; Debt consolidation

Trading names and group notes

PayPlan (Totemic Limited) provides free DMPs. PayPlan Partnership Limited handles IVAs under IPA regulation. Multiple related entities including PayPlan Solutions Limited (06161815) and PayPlan Group Limited (13263764).

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

5.0 (or high rating)

Approx. 4,200-4,298 reviews

Other review and social proof

Smart Money People also used for reviews. Praised for non-judgmental advisors and manageable plans.

Overall public sentiment

Predominantly positive. High Trustpilot rating. Customers value non-judgmental approach and ease of setting up DMPs. Some complaints about communication delays.

Review sources

https://www.trustpilot.com/review/www.payplan.comhttps://smartmoneypeople.com/payplan-reviews/products

Sources and checks

Source URLs

https://find-and-update.company-information.service.gov.uk/company/11193612https://www.payplan.com/payplan-partnership/https://www.payplan.com

Date checked

2026-06-05

Want to feel clearer about your money?

Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.

Start with Ask Fin

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