15 Sample Letters of Request for Payment Arrangement

Money troubles can strike anyone at any time. From unexpected medical bills to sudden job loss, financial hardship often comes without warning. These situations make keeping up with payments tough, leaving many people feeling stressed and overwhelmed.

The good news? Most creditors would rather work with you than lose their money entirely. A well-written payment arrangement request letter can help you regain control of your finances and protect your credit score. Ready to learn how to write one that gets results?

Sample Letters of Request for Payment Arrangement

These carefully crafted letters will help you communicate effectively with creditors during financial difficulties.

1. Basic Payment Plan Request Letter

Subject: Request for Payment Arrangement – Account #12345

January 15, 2025

ABC Credit Card Company

123 Finance Street

New York, NY 10001

Dear Customer Service Representative,

I am writing regarding my credit card account #12345. Due to a recent job loss, I am temporarily unable to make the minimum payment of $350 that is due on January 20, 2025.

I value our relationship and want to maintain my good standing with ABC Credit Card Company. My financial situation has changed unexpectedly, but I am actively seeking new employment and expect to secure a position within the next 30-45 days.

Would it be possible to arrange a payment plan of $150 per month for the next three months? This would allow me to continue making payments while I secure new employment. After this period, I expect to resume my regular payment schedule.

Thank you for considering my request. I can be reached at (555) 123-4567 or email@example.com to discuss this matter further.

Sincerely,

John Smith

2. Temporary Hardship Letter for Mortgage Payment

Subject: Temporary Hardship Request – Mortgage #987654

February 8, 2025

Hometown Mortgage Services

456 Housing Boulevard

Chicago, IL 60007

Dear Mortgage Assistance Department,

My name is Sarah Johnson, and I have been a loyal customer with Hometown Mortgage Services for the past seven years (Mortgage #987654). I have always made timely payments on my mortgage.

Recently, I experienced a medical emergency that required surgery and a six-week recovery period. During this time, I was unable to work and received only partial pay through my disability insurance. As a result, my income has been reduced by approximately 40%.

Based on my current situation, I am requesting a three-month reduction in my mortgage payment. My current monthly payment is $1,550. Would it be possible to reduce this to $1,000 per month for March, April, and May 2025?

My doctor has cleared me to return to work full-time starting June 1, 2025, at which point I will resume my normal payment schedule. I have attached medical documentation and proof of reduced income for your review.

Thank you for your understanding during this difficult time. Please contact me at (555) 987-6543 or sarah.j@example.com to discuss this arrangement.

Respectfully,

Sarah Johnson

3. Student Loan Payment Adjustment Request

Subject: Request for Income-Based Repayment Plan – Loan #ST543210

March 12, 2025

National Student Loan Services

789 Education Avenue

Boston, MA 02108

Dear Loan Assistance Team,

I am writing about my student loan account #ST543210. I graduated from State University last year with a degree in Business Administration.

While I have secured employment in my field, my starting salary is lower than anticipated at $38,000 per year. After taxes and basic living expenses, my current student loan payment of $450 per month has become financially burdensome.

I am requesting to be placed on an income-based repayment plan that better aligns with my current income. Based on my research, I believe I qualify for a reduced payment of approximately $220 per month.

My goal is to maintain a good payment history while building my career. I expect my income to increase over the next two years, at which point I would be happy to revisit my payment amount.

I have attached my most recent pay stubs and tax return for your review. Please let me know what additional information you might need to process this request.

Thank you for your assistance with this matter. I can be reached at (555) 234-5678 or graduate@example.com.

Best regards,

Michael Brown

4. Medical Bill Payment Plan Request

Subject: Payment Plan Request for Hospital Bill #MED-9876

April 5, 2025

City General Hospital Billing Department

321 Healthcare Drive

Dallas, TX 75001

To whom it may concern,

I received a bill (Reference #MED-9876) for $3,750 for my emergency room visit and treatment on March 15, 2025. I want to pay this bill in full, but the amount exceeds my current financial capabilities.

As a senior on a fixed income of $2,100 per month, much of which goes toward housing ($900) and other necessary expenses, I am unable to pay this large sum at once.

Would it be possible to arrange a payment plan of $150 per month until the balance is paid in full? This would allow me to meet my obligation to City General Hospital without causing undue financial strain.

I understand that City General Hospital has programs to assist patients with financial hardships. If there are any other options available, such as a discount for seniors or payment assistance programs, I would appreciate information about these alternatives as well.

Please contact me at (555) 876-5432 or by mail at the address below to discuss this matter. Thank you for your consideration and assistance.

Gratefully,

Patricia Wilson

567 Senior Living Apartments, Apt 302

Dallas, TX 75003

5. Small Business Vendor Payment Arrangement

Subject: Request for Modified Payment Terms – Account #BIZ-2025-789

May 10, 2025

Quality Supply Partners

890 Business Park Lane

Seattle, WA 98101

Dear Accounts Receivable Manager,

My company, Green Leaf Landscaping (Account #BIZ-2025-789), has been a loyal customer of Quality Supply Partners for over five years. We value the products and service you provide to our business.

Due to unusually heavy rainfall this spring, many of our landscaping projects have been delayed by 4-6 weeks. This weather-related situation has created a temporary cash flow challenge for our small business.

We currently have an outstanding invoice (#QSP-45678) for $5,200 due on May 15, 2025. I am requesting a modified payment schedule as follows:

– $1,300 payment on May 15, 2025 – $1,300 payment on June 15, 2025 – $1,300 payment on July 15, 2025 – $1,300 payment on August 15, 2025

Our project schedule is normalizing, and several large jobs are set to complete in June and July. This payment arrangement would help us manage our current situation while maintaining our valuable business relationship.

Thank you for considering this request. Please contact me at (555) 321-0987 or robert@greenleaflandscaping.com to discuss this proposal or any alternative arrangements.

Sincerely,

Robert Chen

Owner, Green Leaf Landscaping

6. Utility Bill Payment Extension Request

Subject: Request for Payment Extension – Account #UT-654321

June 3, 2025

City Power and Water

432 Utility Road

Phoenix, AZ 85001

Dear Customer Service Department,

My name is Maria Rodriguez, and I am writing about my utility account #UT-654321. I have been a customer at my current address for the past three years with a consistent payment history.

This month, I was laid off from my position at Regional Manufacturing due to company downsizing. While I have applied for unemployment benefits, there will be a two-week gap before my first payment arrives.

My current utility bill of $187.45 is due on June 10, 2025. I am requesting an extension until June 25, 2025, at which point I will be able to pay the bill in full.

This is a one-time request due to my sudden change in employment status. I have attached my layoff notice as documentation of my situation.

Thank you for your understanding during this challenging time. I can be reached at (555) 456-7890 or maria.r@example.com if you need additional information.

With appreciation,

Maria Rodriguez

789 Desert View Apartments, Unit 12

Phoenix, AZ 85003

7. Auto Loan Payment Modification Request

Subject: Temporary Payment Modification Request – Loan #AUTO-12345

July 8, 2025

CarFinance Solutions

543 Motor Way

Detroit, MI 48201

Dear Loan Services Representative,

I am contacting you regarding my auto loan #AUTO-12345 for my 2023 Honda Civic. For the past two years, I have made all payments on time and in full.

Recently, my spouse was diagnosed with a serious illness requiring specialized treatment. The medical expenses have placed significant strain on our household budget, despite having health insurance.

I am requesting a temporary modification to my loan payment for the next four months. My current monthly payment is $425. Would it be possible to reduce this to $250 per month for August through November 2025?

To make up for the reduced payments, I propose either extending my loan term by two months or making slightly higher payments after November until the difference is recovered.

My spouse’s treatment plan is expected to be completed by late October, after which our financial situation should stabilize. I remain employed full-time and committed to meeting my financial obligations.

Thank you for considering my request during this difficult personal time. Please contact me at (555) 123-9876 or david.t@example.com to discuss possible options.

Respectfully,

David Thompson

8. Rent Payment Arrangement Request

Subject: Request for Temporary Rent Payment Arrangement

August 5, 2025

Sunshine Property Management

678 Rental Plaza

Miami, FL 33101

Dear Property Manager,

My name is James Wilson, and I am a tenant in Apartment 15B at Palmview Apartments. I have lived here for three years and have always paid my rent on time.

Unfortunately, a pipe burst in my apartment last month, damaging many of my belongings. While renters insurance will cover the replacement costs, the reimbursement process will take 30-45 days to complete. During this time, I need to purchase essential items that were damaged.

My rent of $1,200 is due on August 10, 2025. I am requesting permission to split this month’s payment into two installments:

– $600 on August 10, 2025 – $600 on August 25, 2025

This one-time arrangement would help me manage my current expenses while waiting for the insurance settlement. I have attached the insurance claim documentation for your reference.

Thank you for considering this request. You can reach me at (555) 789-0123 or james.w@example.com to discuss this matter further.

Kind regards,

James Wilson

9. Credit Card Hardship Program Request

Subject: Request for Hardship Program Enrollment – Account #CC-987654

September 12, 2025

National Bank Credit Services

765 Financial Avenue

San Francisco, CA 94101

Dear Hardship Assistance Department,

I am writing about my credit card account #CC-987654, which I have maintained in good standing for the past five years.

Due to the recent natural disaster in our area, my home suffered significant damage. While insurance will cover most repairs, I am responsible for a $5,000 deductible. This unexpected expense has severely impacted my financial situation.

I understand that National Bank offers a Hardship Assistance Program for customers facing extraordinary circumstances. I would like to request enrollment in this program, which I believe provides:

– Temporarily reduced interest rates – Waived late fees – Lower minimum monthly payments

My current minimum monthly payment is $350. A reduction to $175 per month for six months would allow me to manage repairs while maintaining payments on my account.

The repairs to my home should be completed within 4-5 months, after which my regular expenses should return to normal. I have attached documentation from my insurance company and repair estimates for your review.

Thank you for your consideration. I can be reached at (555) 234-5678 or email@example.com to provide any additional information needed.

Sincerely,

Jennifer Lopez

10. Business Loan Payment Restructuring

Subject: Request for Payment Restructuring – Business Loan #BL-45678

October 3, 2025

First Community Business Banking

987 Enterprise Street

Atlanta, GA 30301

Dear Business Loan Officer,

I am writing on behalf of Main Street Bakery (Business Loan #BL-45678). Our company has been a client of First Community Business Banking since our founding five years ago.

Our bakery has faced significant challenges due to the extended road construction project directly in front of our store. The limited access has reduced our foot traffic by approximately 60% over the past two months. According to the city’s timeline, construction will continue for three more months.

We are requesting a temporary restructuring of our loan payments as follows:

Current payment: $2,200 monthly Requested arrangement: $1,100 monthly for November 2025 through January 2026

Once construction is completed, we would increase our payments to $2,750 monthly until the deferred amount is repaid, which would occur by July 2026.

We remain committed to our business and our financial obligations. This temporary measure would help us manage through this period of reduced revenue while maintaining all our staff and operations.

I have attached our financial statements and the city’s construction schedule for your review. Please contact me at (555) 876-5432 or owner@mainstreetbakery.com to discuss this proposal.

Respectfully,

Thomas Williams

Owner, Main Street Bakery

11. Tax Payment Installment Request

Subject: Request for Installment Agreement – Taxpayer ID: XXX-XX-7890

November 10, 2025

Internal Revenue Service

P.O. Box 7346

Philadelphia, PA 19101-7346

To whom it may concern,

I am writing to request an installment agreement for my tax liability for the 2024 tax year. My taxpayer identification number is XXX-XX-7890.

According to my recent tax assessment, I owe $6,800 in federal taxes. Due to a significant change in my employment status during the tax year, I was unable to withhold sufficient taxes, resulting in this unexpectedly large balance.

I am willing and able to pay this amount in full, but I require a payment plan to do so responsibly. Based on my current financial situation, I can make monthly payments of $500 until the balance is paid in full.

If approved, this would allow me to clear my tax liability within 14 months while maintaining my other financial obligations. I understand there may be interest and penalties applied to the balance.

Thank you for considering my request. I can be reached at (555) 345-6789 or by mail at the address below for any additional information or documentation you might need.

Respectfully,

Eleanor Adams

123 Taxpayer Lane

Portland, OR 97201

12. Personal Loan Payment Deferment Request

Subject: Request for Loan Payment Deferment – Loan #PL-67890

December 5, 2025

CityBank Personal Loans Department

432 Banking Center

Houston, TX 77001

Dear Loan Officer,

My name is Carlos Mendez, and I am writing regarding my personal loan account #PL-67890. I have been making regular payments on this loan for the past three years.

Recently, I was notified that my employer will be temporarily closing our location for major renovations. The closure will last approximately eight weeks from January 15 to March 15, 2026. During this time, I will receive only 60% of my normal wages.

I am requesting a deferment of my loan payments for January and February 2026. My current monthly payment is $375. I understand that interest will continue to accrue during the deferment period.

Once I return to full employment in March, I would resume my regular monthly payments. I have attached the notification from my employer documenting the temporary closure and reduced wages.

Thank you for considering my request. Please contact me at (555) 987-6543 or carlos.m@example.com to discuss this matter further.

Sincerely,

Carlos Mendez

13. Insurance Premium Payment Plan Request

Subject: Request for Premium Payment Plan – Policy #INS-123456

January 20, 2025

Guardian Insurance Company

876 Protection Boulevard

Denver, CO 80201

Dear Customer Service Representative,

I am writing about my homeowner’s insurance policy #INS-123456. I recently received notice that my annual premium of $1,450 is due on February 15, 2025.

Due to unexpected home repairs last month, I am unable to pay the entire premium in one lump sum as I have done in previous years. I would like to request a monthly payment plan for this year’s premium.

Based on my understanding, Guardian Insurance offers a monthly payment option with a small service fee. I am prepared to pay any required down payment and set up automatic monthly payments from my checking account for the remainder of the premium.

I value the coverage provided by Guardian Insurance and have been a policyholder for over seven years with no claims filed. This request is for a one-time accommodation due to my current financial situation.

Thank you for your assistance with this matter. Please contact me at (555) 234-5678 or email@example.com with information about setting up a payment plan.

Kind regards,

Sophia Martinez

14. Tuition Payment Plan Request

Subject: Request for Tuition Payment Plan – Student ID: ST-98765

February 8, 2025

University Bursar’s Office

789 Academic Avenue

Austin, TX 78701

Dear Bursar’s Office,

My name is Alex Johnson, and I am a junior majoring in Computer Science (Student ID: ST-98765). I am writing to request a payment plan for my Spring 2025 semester tuition.

Due to changes in my family’s financial situation, I am unable to pay the full tuition amount of $8,500 before the February 15 deadline. My father recently faced a reduction in work hours, which has impacted our household income.

I have already applied for additional financial aid and am awaiting a decision. In the meantime, I am requesting to divide my tuition payment into four equal installments of $2,125, to be paid on:

– February 15, 2025 – March 15, 2025 – April 15, 2025 – May 15, 2025

I am currently working part-time (20 hours per week) and can commit to making these payments on schedule. I understand there may be a processing fee for this arrangement, which I am prepared to pay.

Thank you for considering my request. I am committed to my education and to meeting my financial obligations to the university. Please contact me at (555) 876-5432 or alex.j@university.edu regarding my request.

Respectfully,

Alex Johnson

15. Membership Fee Payment Arrangement

Subject: Request for Payment Arrangement – Membership #MEM-54321

March 10, 2025

Fitness First Health Club

345 Wellness Way

Los Angeles, CA 90001

Dear Membership Services,

I am writing regarding my annual membership renewal (Membership #MEM-54321), which is due on April 1, 2025, in the amount of $850.

I have been a loyal member of Fitness First for the past four years and value the facilities and services provided. Unfortunately, I am currently going through a divorce, which has placed unexpected strain on my finances during this transitional period.

I am requesting permission to split my membership renewal fee into three payments:

– $300 on April 1, 2025 – $300 on May 1, 2025 – $250 on June 1, 2025

My financial situation should stabilize by late May, but this temporary arrangement would allow me to maintain my membership without interruption. I understand there may be a small administrative fee for this accommodation.

Thank you for considering my request. Please contact me at (555) 123-4567 or email@example.com to let me know if this arrangement is acceptable or if you would like to discuss alternatives.

Best regards,

Grace Taylor

Wrap-up: Sample Payment Arrangement Letters

Writing an effective payment arrangement request letter can make all the difference when facing financial challenges. Clear communication, honesty about your situation, and a specific proposal show creditors you are serious about meeting your obligations despite temporary setbacks.

The key elements to include are your account information, a brief explanation of your hardship, a specific payment proposal, and your contact information. Make sure to express your commitment to the debt and thank the recipient for their consideration.

Most companies have hardship programs or flexibility built into their payment systems. They would rather work with you than lose a customer or pursue collections. With these sample letters as your guide, you now have the tools to take that first step toward financial relief.