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Call us today on
+353 91 7000 10



If you’re a new customer

…there are just two points to remember:

  • From now on, your repayments should be made directly to us — not your original lender
  • If you can’t keep to the arrangements we agree between us, you must let us know straight away so that we can consider a more manageable repayment plan. Please call +353 91 7000 10 or email us at: [email protected]

Link Financial Variable Rate Policy Statement

  • The interest rate on standard variable rate mortgage loans may change.  For further details, please click here.

We’re committed to doing the right thing for you.

Covid-19: Financial Difficulties

If you have been financially impacted by Covid-19 we are here to help. We encourage you to engage with our experienced team regarding any concerns you may have in meeting your loan repayments during this challenging time.

We recognise that you may be impacted through no fault of your own, and we have several solutions in place depending on your circumstances.

We’re here 9.00 am to 7.00 pm Monday to Thursday and 9.00 am to 5.30 pm on Fridays. Please have your Link Financial reference number to hand when you contact us and include it in any written communication.

Please contact us today on 353 91 700010

Make a payment

It’s quick and easy to do, especially online.

Need help paying?

If you’re concerned about the money you owe Link Financial, please call us on +353 91 7000 10 and we will do our best to deliver a positive outcome for you.

Pay Online

Make an online


Making your payments online is a secure, immediate and easy way to pay.

The ‘Pay online’ link will take you to our secure payments page where you can submit your card details. Once we have processed your payment you will receive a confirmation via email.

Pay online


Regular Payment Plans

We want to help

If your account is overdue, or in default, we expect you to repay all the money you owe as soon as possible.

If you’re not able to do that, we may be able to arrange a regular payment plan for you. A payment plan allows you to repay your debt over a period of time.

To qualify for a payment plan, you’ll need to be totally open with us and tell us why you’re not able to pay the entire debt straight away.

We’ll want to be certain that you can keep to your payment plan taking into account your income, essential outgoings and any other financial commitments you may have.

Please don’t ignore the problem — it’s not going to go away

It’s important that you take action now. We want to work with you to help you get your finances back on track, as we’ve done with thousands of other people in the same situation.

If you wish to apply for a payment plan please download the personal budget form here and return it to us once completed.

Please send the completed form to:

Link Financial, 16 Briarhill Business Park,
Ballybrit, Galway, H91 FFH1, Ireland


Settling your account

If you are able to make a final settlement offer or increase your regular repayments

Settling your account

If you find yourself in a position where you have sufficient funds to propose a realistic final settlement figure (in the form of a lump sum), please let us know.

Your offer will be considered based on the total amount you owe us and your individual circumstances. We’ll let you know quickly if your offer is accepted and, if it is, the rest of your debt will be written off on receipt of your payment

Increasing your regular payments

If you have a payment plan with us and wish to increase the payments, you’ll need to complete a new Personal Budget Form so that we can consider a new arrangement. You can download the Personal Budget Form here.

Please send the completed form to:

Link Financial, 16 Briarhill Business Park,
Ballybrit, Galway, H91 FFH1, Ireland

email: [email protected]

Debt Advice

Unlike commercial debt management companies, which usually charge for their services — so
increasing your total debt — the Money Advice and Budgeting Service (MABS), the State’s money advice service and debt advice charities are impartial and free to use.

You may also find it helpful to take a look at our Frequently Asked Questions page.

If you decide to seek advice on your position and options, you should have the following information to hand:

  • Details of all your debts;
  • Details of your income (Including any benefits and/or pensions you receive);
  • Details of your household bills and outgoings;
  • Details of any assets you own.

We recommend the following support organisations:

Money Advice & Budgeting Service (MABS)

Citizens Information Board

Social Welfare agencies

Legal Aid Board

Insolvency Service of Ireland (ISI).  

These organisations will go through your situation, explaining the jargon and suggest how you can start to get to grips with the problem.

You can also check your credit rating by sending a request to the Central Credit Register

The Central Credit Register is a new secure system for collecting personal and credit information on loans of  €500 or more – read more …

Under the terms of the Central Bank of Ireland’s ‘Code of Conduct on Mortgage Arrears’ Link Financial has implemented a four step Mortgage Arrears Resolution Process (MARP) designed to help Borrowers whose mortgages are in arrears or at risk of going into arrears.

Link Financial MARP booklet

Link Financial Standard Financial Statement

The Central Bank of Ireland’s ‘Lending to small and medium sized enterprises regulations’ aim to ensure that when dealing with Borrowers who are faced with financial difficulties, Lenders assist Borrowers to meet their obligations, or otherwise deal with the situation in an orderly and appropriate manner.

Link Financial Guide for SMEs in Financial Difficulty

Treating customers fairly

When it comes to managing your finances, 99 per cent of the time things run smoothly. But should a problem crop up, we’ll do whatever’s necessary to help you solve it.

Everyone at Link Financial knows and accepts that each customer — irrespective of their circumstances — has to be treated fairly and with respect. We will listen carefully to what you have to say, take full account of your circumstances and work to find a positive outcome for you. In the end, we’re here to solve problems, not create them.

However there may be occasions where you think we could have done better.

Our Complaint Handling Procedure is clear and simple. It gives customers an easy way to contact us when they need to complain, and in turn, allows our business to give the complaint the attention it deserves and resolve any issues fairly and without delay.

Our dedicated Complaints & Dispute Resolution Team are here to assist you with your concerns and can be contacted by post, email or telephone:

The Complaints & Dispute Resolution Team.

Link Financial, 16 Briarhill Business Park,
Ballybrit, Galway, H91 FFH1, Ireland
Telephone: +353 91 7000 10

Lines are open:

Monday to Thursday 09:00  to 19:00

Friday 09:00 to 17.30

Email: [email protected]
You may download a copy of our Complaint Handling Procedure here.

Frequently asked questions

Who are Link Financial?

Link Financial provides outsourced professional credit management and debt recovery services to Banks, Financial Institutions, Credit Unions and large commercial organisations across a wide range of debt types throughout Ireland. We have extensive knowledge of the market place. Our services are provided through a combination of experienced in-house agents and external collection agents supported by our legal department.

The golden rule.

Nobody enjoys falling behind with their loan repayments, especially in circumstances which are outside of their control. But the golden rule to keep in mind is that the problem will not go away simply because you ignore it. Please talk to us — we want to do all we can to help.

I didn’t borrow any money from Link Financial, so why do I have to pay you?

Some lenders find the administration of loans and credit burdensome. So if they wish, lenders can exercise the right to pass on the debts they’re owed to another company. Which is what’s happened in your case. Link Financial is now responsible for collecting your payments. This change is nothing to be overly concerned about — you’ll find us fair, helpful and sympathetic.

I’ve mistakenly sent a payment to my original lender: is that a problem?

No — they will pass that payment on to us, but there will be a small delay in paying off, or reducing, what you owe. Please remember to make all your future payments directly to Link Financial.

Will you be adding interest to my debt?

The majority of loan and credit accounts managed by us do not accrue interest during the collections process. ( The Notice of Assignment we sent to you will specify if your debt is accruing interest. ) Where possible, we like to negotiate the repayment of the outstanding balance with you without applying any additional costs. If however, we are unable to reach an arrangement-to-pay and the account is passed to our internal legal team, then, statutory interest will be charged up to the point of entry into judgement. A small but specific section of accounts are charged interest throughout the collections process. These are particular personal loan balances and the interest amounts applied by Link Financial are charged at the pre-existing contractual rate and up to the maximum amount that would have been charged by the original lender had you not defaulted on the loan.

I can’t pay this debt in one go. Can you help?

It’s in your and our interests for us to work together and create a plan that helps you repay what you owe. Sometimes it’s possible to set up a payment plan where you make smaller payments over a longer period of time, or no further interest charges will be added to your debt. But you must be open with us and be willing to give us full details of your finances.

I don’t owe this debt

If you have ANY disagreement about the debt we are claiming from you, then please call or write to us and tell us why. The account may then be placed on hold while our specialist team investigates the matter with you and, where relevant, the original lender. We really do not want to ask for money from people who do not owe it.

Will you take legal action against me?

We do take legal action to recover debts. But we will always notify you (or your advisor) of any action that we’re considering.

Now I’m an Link Financial customer, am I on a “credit blacklist”?

Some credit reference agencies may have uploaded information about your financial history. You can check your credit status through

But will I always have problems getting finance?

Not necessarily. Your best course of action is to keep up your payments to us and your other creditors. Doing that should improve your credit rating in due course.

I’ve repaid my debt but that’s not showing on my credit report. Why not?

A credit reference agency will only remove negative information if there has been a genuine mistake, or if you’ve been subject to fraud. On the positive side, Link Financial will provide confirmation in writing at your request that your account is paid in full.

What if I’m being advised by a debt management company?

You should ask your advisor to send us a copy of their authority to act on your behalf and a copy of your financial statement. Once we have that information, we will try to liaise with them. We treat all debts on a case by case basis, so it makes no difference to us whether an advisor is involved or not.

I can’t see a way out of my financial difficulties. What can I do?

There are two things you must do.
1. Give us a call and talk to us.
2. Get some independent, expert help. We recommend Step Change — their debt advisory service is free.

Contact Us

We’re here 9.00 am to 7.00 pm Monday to Thursday and 9.00 am to 5.30 pm on Fridays. Please have your Link Financial reference number to hand when you contact us and include it in any written communication.

Phone: +353 91 7000 10

Email: [email protected]

Post: Link Financial, 16 Briarhill Business Park,
Ballybrit, Galway, H91 FFH1, Ireland