Loan, Lines & Credit Repayment Options

If you've fallen behind on payments, we offer a variety of loan repayment options that could help you regain control. Select your loan type to get started.

Direct Loans

​​Make up your missed payments by extending the length of your loan.

°Â¾±³Ù³óÌýLoan Payment Extension,Ìýyou can bring your loan current by moving one or more monthly payments to the end of the loan. This will advance the maturity date of your loan by the number of months extended.

Bring your account into good standing by making payment arrangements.

Payment PromiseÌýis a form you submit to tell us that you plan to make a payment on a past due loan. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail) – and allows you to make payment arrangements with us.

Get new loan terms that work better for your financial situation.

If you're experiencing an extended financial hardship, ourÌýLoan WorkoutÌýprogram may be able to help. We'll work with you to put your payments back on track by rewriting your existing M&T ÃÈÃÃÉçÇø Direct Loan. This may involve rescheduling the loan over a longer payback period to lower your monthly payment.

Are you active duty military?

°Õ³ó±ðÌýServicemembers Civil Relief Act (SCRA)Ìýentitles eligible active duty U.S. Military members to certain benefits and/or protections related to their accounts with M&T ÃÈÃÃÉçÇø – including Direct Loans and other loan types.

Credit Cards

​Bring your account into good standing by making payment arrangements.

Payment PromiseÌýis a form you submit to tell us that you plan to make a payment on a past due credit card. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail) – and allows you to make payment arrangements with us.

Get new terms that work better for your financial situation.

If you're experiencing an extended financial hardship, ourÌýLoan WorkoutÌýprogram may be able to help. We'll work with you to put your credit card payments back on track by rewriting your existing M&T ÃÈÃÃÉçÇø agreement. This may involve lowering your interest rate or removing late fees.

Are you active duty military?

°Õ³ó±ðÌýServicemembers Civil Relief Act (SCRA)Ìýentitles eligible active duty U.S. Military members to certain benefits and/or protections related to their accounts with M&T ÃÈÃÃÉçÇø – including Direct Loans and other loan types.

Overdraft Lines of Credit

​Bring your account into good standing by making payment arrangements.

Payment PromiseÌýis a form you submit to tell us that you plan to make a payment on a past due credit card. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail) – and allows you to make payment arrangements with us.

Get new terms that work better for your financial situation.

If you're experiencing an extended financial hardship, ourÌýLoan WorkoutÌýprogram may be able to help. We'll work with you to put your credit card payments back on track by rewriting your existing M&T ÃÈÃÃÉçÇø agreement. This may involve lowering your interest rate or removing late fees.

Are you active duty military?

°Õ³ó±ðÌýServicemembers Civil Relief Act (SCRA)Ìýentitles eligible active duty U.S. Military members to certain benefits and/or protections related to their accounts with M&T ÃÈÃÃÉçÇø – including Direct Loans and other loan types.

Auto, Recreational Vehicle & Mobile Home Loans

​​Make up your missed payments by extending the length of your loan.

°Â¾±³Ù³óÌýLoan Payment Extension,Ìýyou can bring your loan current by moving one or more monthly payments to the end of the loan. This will advance the maturity date of your loan by the number of months extended.

​Bring your account into good standing by making payment arrangements.

Payment PromiseÌýis a form you submit to tell us that you plan to make a payment on a past due credit card. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail) – and allows you to make payment arrangements with us.

Get new loan terms that work better for your financial situation.

If you're experiencing an extended financial hardship, ourÌýLoan WorkoutÌýprogram may be able to help. We'll work with you to put your loan repayment back on track by rewriting your existing M&T ÃÈÃÃÉçÇø loan. This may involve rescheduling the loan over a longer payback period to lower your monthly payment.

Ready to apply for repayment assistance? Contact us today.

Get in touch with our Customer Asset Management Department atÌý1-800-724-2525Ìýto discuss which of these loan repayment options might be right for you.

Hours

  • Monday–Thursday 8am–9pm ET
  • Friday 8am–5pm ET
  • Saturday 8am–12pm ET

Not behind, just need to know how to make a payment?

Learn about the different ways you can make a payment and choose the most convenient method for you.