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Top Up

It may be possible to ‘Top Up’ your existing loan after you’ve repaid 10% of the original loan value, and if there are no other restrictions in place.

To Top Up you will need to:

  1. Check which loan you have & your current loan balance – you can do this using Online Banking. Alternatively, contact our Customer Service Team using the Nivo App, or by calling 0333 332 1461 during office hours.
  2. If you have repaid 10% and have no other restrictions, you can apply to Top Up your loan.
  3. The quickest & easiest way to apply is to complete our new mobile friendly loan application forms using the Nivo App. Have a recent payslip* & your total monthly income & expenditure to hand, then follow the ‘Apply with Nivo’ link on each loan page. Alternatively, login to Online Banking & complete the online loan application form.

*The payslip must show your name and address and be no more than 4 weeks old. Click here to see an example of an acceptable payslip.

If you have any queries, please contact our Customer Service Team.

Loan Calculator

Use our loan calculator to see how much you could borrow and how much you would pay back.

Which Loan?

Need help finding the right Loan for you? Then use our Penny Post Loan Finder.

Loan FAQs

For help and guidance on applying for a Penny Post loan and everything you need to know to guide you through the application process.

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