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Frequently Asked Questions (FAQs)

1. What services are offered by Northridge Finance?

At Northridge Finance we offer a wide range of finance products. These include various motor finance products (mainly through car dealers or brokers), specialist agricultural equipment finance, business insurance products and personal loans.

2. Who do I contact if I want to apply for a loan or car finance?

Our Direct Sales Unit will be happy to assist you with your enquiry.  See our Finance Options page for full details.

3. How do I change the bank account details I make my payments from?

See our Customer Tool Kit for information on changing bank details.

4. Can I change the date the payment comes out of my bank account?

We understand that salary payments are made at different times of the month and that the original payment date may not be ideal.  Where possible we will endeavour to make the requested change, however this may only be within 10 days either side of the original date.

Please see our Customer Tool Kit for information on how to make this request.

5. How do I change the address on my agreement?

Change of Address notification information is available on the Customer Tool Kit.

6. What do I do if I am having difficulties making my payments?

It is important that you are able to afford any payments that you make – Click here if you would like more information.

If you are experiencing financial difficulties, we recommend that you speak to one of our Collections Agents before making any payment.

You can do this by calling us on 0800 917 0932*.

Alternatively, the Financial Conduct Authority has produced a leaflet which lists not for profit organisations that can provide free and impartial debt advice. A copy of this leaflet is available here: FCA Arrears Information Sheet

7. How do I make an over-payment on my agreement?

Over-payments to your agreement may be made through Partial Settlements in the Customer Tool Kit.

Simply complete the required account details and indicate which option you would like to apply to your account; either a reduction in the term of your agreement or a reduction in the amount of your monthly payment.  Payments may be made by Debit Card, Bank Transfer or Cheque.

8. How do I obtain a settlement figure for my agreement?

Details on how to obtain a settlement figure (the amount required to close your account) may be obtained through our Customer Tool Kit  and personal customers may access the details via our online account management tool.

Click here for more information on how to obtain a settlement figure

9. Can I appeal the decision if I have been declined for finance?

If you are unhappy with our decision you can ask us to reconsider by telephoning us on 0800 917 0931*, although you should be aware that we cannot give any guarantees that our original decision will be changed.

If you have any additional, relevant information, to support your appeal, which was not given to us when you first made your application please email to ** or send with your application details to:

Northridge Finance
5th Floor, Bank of Ireland
1 Donegall Square South,
Belfast BT1 5LR
Applications are declined for various reasons.  Decisions are made on one or more of the following: our current lending conditions, information provided by you and information obtained from the credit reference agency Experian UK, and on occasion Equifax. 
 For further information on credit decisions click here. You can also get a copy of the FLA ‘Your Credit Decision Explained’ information leaflet.

A copy of your credit file can be requested online at or by writing to:

Experian Ltd
Consumer Help Service
PO Box 8000
NG80 7WF

*Please note that calls may be recorded for quality, training and compliance purposes.

** Email warning: any email(s) you choose to send us will not be secure, unless you appropriately encrypt (protect) the information contained in your email.