Looking after my agreement

You can find your agreement number in a few easy places:

• On your agreement document
• On any letters we’ve sent you
• In your Northridge app account – it’s on the home screen when you log in

It’s a good idea to keep it handy—it helps us find your details quickly if you ever need support! Can’t find it? Just give our customer service team a call on 0800 917 0931 and we’ll help you out.

Any finance agreement that’s protected by the Consumer Credit Act can be withdrawn from—but only for a short time after taking it out. To check, just look at your agreement to see if it says it’s a regulated Hire Purchase, Personal Contract Purchase or Personal Loan.

You’ve 14 days from the date you get your welcome letter to change your mind and withdraw (cancel) your finance agreement. This is called your cooling-off period.

Withdrawing is only from the finance, not from buying the goods. You’ll keep the goods and have to fund them in a different way.

To start this process or if you have any questions, you can call our Customer Service team on 0800 917 0931 (Mon-Fri, 9am-5pm).

Not yet — here’s why:

If you’re still making payments on your Hire Purchase or Personal Contract Purchase agreement, the car still belongs to us. That means you can’t sell it until the money you owe is fully paid off.

Want to sell or trade in your car?

You have two options:

• Pay off the remaining balance yourself.
• Or, if you’re trading it in, ask the motor dealer to pay it off for you as part of the deal.

You can get your settlement figure (the amount left to clear your agreement) by:

• Using the Northridge App
• Logging into our online portal
• Or calling us on 0800 917 0931

Getting a copy of your agreement is easy.

• If you signed it online, you can download it anytime from the Northridge app or online portal
• If you signed a paper document, just call our Customer Service team on 0800 917 0931, and we’ll post a copy to you

It’s easy to request a copy of your statements. You can:

• Fill out our Customer Enquiry Form. Just let us know you’d like your statements, and we’ll pop them in the post to you.
• Call us on 0800 917 0931. Our Customer Service team will be happy to help. We can post a copy to you.

There are just a few things to keep in mind! You’ll need to call our Customer Service team on 0800 917 0931 so we can review your request.

We’ll ask for:

• Your travel dates
• Destination(s) – address of where your vehicle will be kept
• How long you’ll be there
• Details of your fully comprehensive insurance
• Details of any breakdown cover you may have

This helps us ensure everything is in order for your journey.

You also need to make sure you’ve the proper documentation and insurance for driving abroad. You’ll find this information on the UK Government website here.

Whether it’s for short-term travel (a few weeks at a time) or if you’re planning a longer trip, checks may be needed. If you’re moving abroad permanently, let us know — we’ll talk you through your next steps.

Yes, you do!

Getting your car serviced is like giving it a check-up to make sure everything is working properly. It helps:

• Keep your car safe and running well
• Avoid big repair bills later
• Follow the rules of your finance agreement

Just follow the car maker’s service schedule (usually once a year or after a certain number of miles) and keep a record of it. If your service history isn’t recorded digitally, make sure you keep a paper copy.

If you’ve changed your name—like after getting married or by deed poll—it’s easy to update your agreement.

Just send us:

• A copy of your marriage certificate or;
• A copy of your deed poll and updated ID (such as your driving licence or passport)

We only need a copy, please don’t send us originals.

You can post these to our address: Northridge Finance, 5th Floor, Bank of Ireland, 1 Donegall Square South, Belfast, BT1 5LR. Once we get your documents, we’ll update your details and let you know when it’s done!

You can update your bank details:

• Through the Northridge App or self serve portal. You can find out more on our Manage your agreement page here.
• By calling our Customer Service Team on 0800 917 0931 (Monday to Friday, 9am – 5pm)

If you’re not sure how to get started, just get in touch — we’ll guide you through it step by step.

We’ll try our best to move your payment date.

You can change this:

• Using the Northridge App or self serve portal. You can find out more on our Manage your agreement page here.
• By calling our Customer service team on 0800 917 0931 (Monday-Friday, 9am – 5pm)

If you’re finding it hard to pay now or think you might struggle soon, please talk to us before making a date change. You can call our friendly Loan Solutions Team on 0800 917 0932. We’re here to help.

It’s easy to let us know if you’ve moved.

To update your address, you can:

• Use the Northridge App or self serve portal. You can find out more on our Manage your agreement page here.
• Or call our Customer Service team on 0800 917 0931 (Monday to Friday, 9am – 5pm)

Yes — but we’ll need your permission first.

To do this, you’ll need to complete our form. You can find it on our accessibility for all page here along with details on how to return it to us safely.

This helps us:

• Protect your personal information
• Make sure we’re only speaking to someone you trust

Need help?

If you’re not sure where to start, just call our Customer Service team on 0800 917 0931. We’ll guide you through it step by step.

Northridge Finance sends updates to credit reference agencies once a month. This means if you make a payment or something changes on your agreement, it might take up to 4 to 6 weeks to show up on your credit report.

So don’t worry if you don’t see the change right away—it just takes a little time.

If it’s been longer than 6 weeks and nothing has changed, you can contact our Customer Service on 0800 917 0931. We’ll be happy to help.

If you’re having trouble logging in, don’t worry! Here are a few simple things to check:

• Have you signed up yet? You need to register before you can log in. Just open the app and tap “Register” to get started.
• Are your details right? Make sure your email and password are typed in correctly. Watch out for small mistakes or extra spaces.
• Forgot your password? Tap “Forgot password” on the login screen to reset it.
• Your type of agreement? You must be a private person or a sole trader. You must also have one of these types of finance products which are Hire Purchase, Personal Contract Purchase, Lease Purchase and Personal Loan. You can check this on a copy of your agreement.
• Are you online? Make sure your phone is connected to Wi-Fi or mobile data.

Still not working? No problem—just call our Customer Service team on 0800 917 0931 and we’ll help you get logged in. 

If you’re finding it hard to make your payments, you’re not alone – and there’s help available.

Click here to learn more about what you can do

Only pay what you can afford

If you’re struggling or could be in the future, please talk to us before making a payment. You can:

Call our friendly Loan Solutions team on 0800 917 0932. We are here to help.

Get free help

There are also groups that can give you free and impartial debt advice.
You can find information on the MoneyHelper website here.

We understand that circumstances can change, but the agreement is made specifically with you, so it can’t be transferred to another person—this includes the vehicle.

If you’re finding it difficult to keep up with your repayments, you’re not alone—and we’re here to help. Just reach out to our Loan Solutions Team on 0800 917 0932. They’ll take the time to understand your situation and talk you through the support options available.

You can only do this if you’ve a Hire Purchase (HP) or Personal Contract Purchase (PCP) agreement that is regulated by the Consumer Credit Act. You can check this on a copy of your agreement.
It means you can give the car back and stop your finance agreement early. You can do this if:

• You’ve already paid at least half of the total amount you agreed to pay. The total amount is the full cost of your agreement. It includes the amount you borrowed, interest over the full term and any fees included in your agreement.
• If you haven’t yet paid 50%, you can still end the agreement by covering the remaining amount to reach this minimum.
• You must clear any missed payments before giving the car back — even if this means paying more than 50%. This is because you’ve had use of the car during that time.

To avoid any extra costs, the car must be in a good condition, have 2 keys, a V5 and be clean.

What do I need before I call?

Before you get in touch, please have the following ready:

• The current mileage on the car. (We check this if you have a PCP agreement to make sure you haven’t gone over your limit).
• The date the car was last serviced
• The date the MOT is due

This won’t hurt your credit score, but it’ll show that you ended the agreement this way.

Ready to go?

Call our helpful Customer Service team on 0800 917 0931 to get started or ask any questions.