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When payment difficulties arise, it is important to act quickly and explore the available solutions to resolve the situation.
When payment difficulties arise, it is important to act quickly and explore the available solutions to resolve the situation.
It is important to try to resolve issues before they become insurmountable.
We offer a variety of solutions that might suit you. You can always send us an inquiry at arionbanki@arionbanki.is, and we will respond promptly
You can spread your credit card balance over up to 18 months in the app or online banking.
You only pay interest on the amount you use, with no fixed repayment schedule. This gives you the flexibility to repay in a way that works for you.
A Consumer loan can be a suitable option if unexpected expenses arise and you need to bridge a shortfall. It can also be useful if you have several instalment plans or loans that you would like to consolidate.
If you are facing a significant increase in your mortgage payment burden, it might be beneficial for you to consider refinancing.
We offer new parents the option to reduce their mortgage payments by up to half while they are on parental leave.
When you set a payment freeze on your loan, you pay a fixed amount for 12 months, which is lower than the monthly payment according to the loan terms.
If you have multiple loans from one or more lenders, it may be advantageous to consolidate them into a single loan with better terms.
If you have experienced a loss of income, we offer you the option to temporarily reduce your payments. The condition is that the loan is on a property you own and where you have your legal residence.
Monthly payments of the principal are then frozen and only interest on the principal is paid over a specified period.
Það er mikilvægt að hunsa ekki vandamálið. Skuldir hverfa ekki af sjálfu sér, því heiðarlegri sem þú ert um vandamálið því líklegra er að við getum veitt þér bestu mögulegu aðstoð.
Því fyrr sem þú bregst við og biður um hjálp, því auðveldara er að leysa úr vandamálinu.
Here are some common signs that may indicate payment difficulties:
You regularly increase your loan amount or overdraft
You have difficulty keeping up with monthly repayments
You frequently change the due date of monthly payments
You worry about your finances or debt repayment
You typically spend more than your income
You rely on borrowing to keep operations running
You receive regular letters about unpaid bills or missed payments
Ef krafa eða mál þitt er komið í lögfræðiinnheimtu bendum við á að hafa samband við okkur í síma 444 6170 eða með því að senda tölvupóst á netfangið loginnheimta@arionbanki.is.
If you are in serious financial trouble, you can seek help from the Debtors' Ombudsman, whose role is to help individuals bring their payment burden and debt situation into an acceptable state.