Getting a loan can help during tough times. But what happens when monthly loan payments become too much to handle? Many workers face this challenge when loan payments get taken straight from their paychecks.
You might need some extra cash this month for a family need or medical bill. A well-written letter asking your employer or bank to pause loan deductions can make a big difference. Keep reading to find practical letter examples that could help ease your financial strain.
Sample Letters of Request Not to Deduct Loan from Salary
These carefully written letters will guide you through asking for a pause on your salary loan deductions.
1. Basic Request Due to Financial Hardship
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Temporarily Stop Loan Deductions from Salary
Dear [Recipient’s Name],
This letter is about my current loan deduction from my monthly salary. Due to some unexpected financial problems, my family budget has become very tight this month.
I request you to please stop the loan deduction from my salary for the next two months (May and June 2025). This short break will help me deal with my current money problems. I promise to resume the payments from July 2025 without any further delays.
Thank you for understanding my situation.
Sincerely,
[Your Signature]
[Your Printed Name]
2. Request Due to Medical Expenses
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Pause Loan Deductions Due to Medical Expenses
Dear [Recipient’s Name],
My name is [Your Name], working as [Your Position] in [Department]. I am writing about the loan amount that gets deducted from my salary each month.
Last week, my son had to go to the hospital for an emergency surgery. The medical bills have put a huge strain on my finances. The hospital costs were not fully covered by my insurance, leaving me with a large amount to pay right away.
I kindly ask if you could stop deducting the loan payment from my salary for the next three months. This would greatly help me pay the medical bills without getting into deeper financial trouble. I plan to restart the loan payments after this period, on [Date].
I have attached copies of the medical bills as proof of my situation. Please let me know if you need any other details.
Thank you for your time and understanding.
Respectfully,
[Your Signature]
[Your Printed Name]
3. Request with Payment Plan Proposal
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Suspend Loan Deductions with Payment Plan Proposal
Dear [Recipient’s Name],
As an employee of [Company Name] for the past [time period], I am writing to request a temporary stop to the loan deductions from my monthly salary.
My family has faced several unexpected costs recently. My car broke down and needed major repairs, plus we had a leak in our roof that needed fixing before the rainy season. These expenses have used up all my savings.
I would like to suggest a payment plan to handle this situation:
1. A pause in loan deductions for two months (May and June 2025) 2. Reduced payments (50% of the usual amount) for the following three months 3. Return to full payments starting September 2025 4. Extension of the loan period by three months to make up for the reduced payments
This plan would allow me to get back on my feet financially while still meeting my loan obligation. My work and dedication to the company stay strong, and I plan to continue working hard during this time.
Thank you for considering my request. I am happy to discuss this matter further if needed.
Best regards,
[Your Signature]
[Your Printed Name]
4. Request Due to Family Emergency
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Urgent Request to Suspend Loan Deductions Due to Family Emergency
Dear [Recipient’s Name],
I hope this letter finds you well. I am writing to you about a difficult situation that has come up in my family.
My mother has fallen seriously ill and needs to stay in the hospital for at least a month. As the oldest child, I must pay for her care since she has no health insurance. This sudden expense has put a lot of pressure on my finances this month.
I would be very grateful if you could stop the loan deduction from my salary for the next two months. This would help me pay for my mother’s medical care without falling behind on other bills. I plan to restart the loan payments from [Date] and will follow the payment schedule without any more breaks.
I have attached a copy of the hospital admission form as proof of this situation. Please let me know if you need any other details from me.
Thank you for your kindness and understanding during this hard time.
Sincerely,
[Your Signature]
[Your Printed Name]
5. Request After a Natural Disaster
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Halt Loan Deductions Following Home Damage from [Disaster Type]
Dear [Recipient’s Name],
I am writing to request a temporary stop to the loan deductions from my monthly salary due to a recent [type of disaster] that has badly damaged my home.
The [disaster] happened on [date] and caused major damage to my house and belongings. We need to make urgent repairs to make our home safe to live in again. My insurance will only cover part of the costs, and I need to pay the rest myself.
Would it be possible to stop the loan deductions from my salary for the next three months? This would allow me to fix my home and replace basic items that were damaged. I plan to restart the loan payments from [date] onward.
I have attached photos of the damage and a copy of the insurance claim form as proof of my situation. The local news has also reported on how the [disaster] has affected our area.
Thank you for considering my request during this difficult time. Your help would mean a lot to me and my family.
Respectfully,
[Your Signature]
[Your Printed Name]
6. Request Before a Major Life Event
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Pause Loan Deductions Before Wedding Expenses
Dear [Recipient’s Name],
I hope this letter finds you in good health. I am writing to request a temporary pause in the loan deductions from my salary.
My wedding is coming up next month, and as you might know, weddings can be costly events. While I have been saving for this day, some unexpected costs have come up that I need to take care of right away.
I would be very grateful if you could stop the loan deduction from my salary for the next two months. This would help me manage my wedding expenses without getting into debt. I plan to restart the loan payments from [Date] and will follow the regular schedule after that.
I have worked with [Company Name] for [time period] and have always been prompt with my loan payments. This would be the first time I have asked for such a change to my payment plan.
Thank you for considering my request. Your support during this happy but busy time in my life would be greatly valued.
Warmly,
[Your Signature]
[Your Printed Name]
7. Request During Job Transition
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Suspend Loan Deductions During Department Transfer
Dear [Recipient’s Name],
I am writing regarding the company loan that is currently being deducted from my monthly salary. As you may be aware, I am transitioning to a new role within the company, moving from the [Old Department] to the [New Department].
During this change, there will be a gap of about three weeks between my last day in the current role and my start date in the new position. The HR department has told me that my salary for the next month will be adjusted because of this gap, resulting in a lower paycheck than usual.
Given this temporary drop in my income, I would like to request that my loan deduction be paused for one month. This would help me cover my basic living costs during the transition period. I am committed to resuming the regular payment schedule the following month when my full salary returns to normal.
Thank you for considering my request. I am proud to continue growing with [Company Name] and look forward to my new role.
Best regards,
[Your Signature]
[Your Printed Name]
8. Request During Economic Downturn
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Suspend Loan Deductions During Current Economic Challenges
Dear [Recipient’s Name],
I hope this letter finds you well. I am writing to discuss my current loan repayment situation in light of the economic challenges many of us are facing.
As you may know, inflation has increased the cost of basic goods and services dramatically. My rent has gone up by 15%, and grocery costs have nearly doubled for my family of four. At the same time, my spouse was recently put on reduced hours at their job, cutting our household income significantly.
Given these pressures, I would like to request a three-month pause on the loan deductions from my salary. This temporary relief would help us adjust our budget and find ways to cut costs without falling behind on essential bills like rent and utilities.
I have been a loyal employee of [Company Name] for [time period] and have maintained a spotless repayment record until now. This request comes only after careful consideration of our financial situation.
Thank you for your understanding during these tough economic times. I plan to resume full payments after this brief pause.
Sincerely,
[Your Signature]
[Your Printed Name]
9. Request After Returning from Leave
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Delay Loan Deductions After Unpaid Leave
Dear [Recipient’s Name],
I am writing regarding the loan deductions from my salary following my return from unpaid family leave.
As you know, I was on unpaid leave for the past two months to care for my father after his surgery. During this time, I had no income but still had to pay for regular household expenses plus additional costs related to my father’s care.
Now that I have returned to work, I find myself in a difficult financial position. I need some time to catch up on bills that piled up during my leave before resuming loan payments.
I kindly request a two-month pause on the loan deductions from my salary. This would allow me to pay off urgent bills and stabilize my finances. I would then resume the regular loan payments starting [Date].
My commitment to repaying the loan fully remains strong. This is simply a request for a short breathing space after a period without income.
Thank you for considering my situation. I am grateful to be back at work and look forward to continuing my contributions to the company.
Respectfully,
[Your Signature]
[Your Printed Name]
10. Request with Offer to Pay Interest
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Pause Loan Deductions with Offer to Pay Additional Interest
Dear [Recipient’s Name],
I hope this letter finds you well. I am writing to request a temporary stop to the loan deductions from my monthly salary due to some short-term financial challenges.
Recently, I had to pay for urgent home repairs after a water pipe burst. This unexpected expense has stretched my finances thin for the coming months. To help manage this situation, I would greatly appreciate if the loan deductions could be paused for three months.
I understand that this pause would extend the loan period and affect the interest calculations. To make up for this, I am willing to pay an additional 2% interest on the paused amount when payments resume. This offer shows my commitment to fully repaying the loan while seeking only temporary relief.
The proposed arrangement would be:
1. Pause loan deductions for April, May, and June 2025 2. Resume regular payments from July 2025 3. Pay additional 2% interest on the paused amount 4. Extend the loan term by three months
Thank you for considering my request. I value the trust placed in me and aim to handle this situation responsibly.
Kind regards,
[Your Signature]
[Your Printed Name]
11. Request Due to Reduced Work Hours
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Suspend Loan Deductions Due to Reduced Working Hours
Dear [Recipient’s Name],
I am writing regarding the company loan that is currently deducted from my monthly salary.
As you may be aware, my department has recently reduced working hours due to the current business situation. My weekly hours have been cut from 40 to 25, resulting in a significant decrease in my monthly income. This change is expected to last for at least the next four months.
With this reduction in my salary, the current loan deduction takes up a much larger percentage of my income than before. This makes it difficult for me to cover my basic living expenses.
I would like to request that the loan deductions be paused for four months until my working hours return to normal. Once my full-time schedule resumes, I would restart the regular payments. To ensure the loan is fully repaid, I am open to extending the loan term accordingly.
Thank you for considering my request during this challenging period. I remain committed to my role at [Company Name] and to fulfilling my loan obligation.
Sincerely,
[Your Signature]
[Your Printed Name]
12. Request with Good Payment History Emphasis
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request for Temporary Pause in Loan Deductions Based on Good Payment History
Dear [Recipient’s Name],
I hope this letter finds you well. I am writing to request a brief pause in the loan deductions from my monthly salary.
For the past [time period], I have maintained an excellent record of loan repayments without any delays or issues. My commitment to meeting my financial obligations has been steady and reliable. You can verify this from my payment history in your records.
Currently, I am facing a temporary financial challenge due to my child starting college this fall. The initial expenses for tuition, books, and housing have created a short-term strain on my finances. This situation is temporary but requires some adjustment to my budget at present.
Based on my strong payment history, I would like to request a pause in the loan deductions for two months. This would greatly help me manage the current expenses while my family adjusts to the new financial reality of having a child in college.
I plan to resume the regular loan payments from [Date] without any further interruptions. The brief pause would not affect my ability to complete the loan repayment within the originally agreed timeframe.
Thank you for considering my request. I appreciate your understanding and support during this transitional period for my family.
Respectfully,
[Your Signature]
[Your Printed Name]
13. Request with Partial Payment Offer
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Reduce Loan Deductions with Partial Payment Offer
Dear [Recipient’s Name],
I am writing regarding the loan repayment that is currently deducted from my monthly salary. While I remain committed to repaying my loan in full, I am facing some temporary financial challenges that make the current deduction amount difficult to manage.
Rather than requesting a complete pause in payments, I would like to propose a partial payment plan for the next three months. Currently, $[Current Amount] is deducted from my salary each month. I would like to request that this be reduced to $[Reduced Amount] (50% of the current deduction) for April, May, and June 2025.
This reduced payment would allow me to address some urgent financial matters while still maintaining regular payments toward my loan. Starting July 2025, I would resume the full payment amount and continue until the loan is fully repaid.
To compensate for the reduced payments, I am willing to either: 1. Extend the loan term by the necessary period, or 2. Make a lump sum catch-up payment in July when my financial situation stabilizes
Please let me know which option would be preferable from your perspective.
Thank you for considering my request. I value the support provided by [Company Name] and aim to handle my financial obligations responsibly.
Best regards,
[Your Signature]
[Your Printed Name]
14. Request During Seasonal Work Fluctuation
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Adjust Loan Deductions During Slow Season
Dear [Recipient’s Name],
I hope this letter finds you well. I am writing to request a temporary adjustment to my loan repayment schedule due to the seasonal nature of my work.
As you may know, I work in the [Industry/Department] where our busiest period is [Busy Season Months]. During these months, my income is significantly higher due to overtime and bonuses. However, we are now entering our slow season, which typically lasts from [Month] to [Month]. During this period, my monthly income decreases by approximately 30% due to reduced hours.
Given this seasonal fluctuation in my income, I would like to request that my loan deductions be reduced by 50% during the slow season months. This would make my repayments more manageable during the months when my income is lower. Once the busy season returns, I would increase my payments to make up for the reduced amounts, ensuring that the loan is still repaid within the agreed timeframe.
This adjustment would help me maintain a stable financial situation throughout the year while still meeting my loan obligations. My repayment history shows that I have always been reliable during the busy months, and I plan to continue this pattern.
Thank you for considering my request. I look forward to your response.
Sincerely,
[Your Signature]
[Your Printed Name]
15. Request Due to Multiple Financial Obligations
[Your Name]
[Your Address]
[City, State ZIP]
[Your Email]
[Your Phone Number]
[Date]
[Recipient’s Name]
[Recipient’s Position]
[Company Name]
[Company Address]
[City, State ZIP]
Subject: Request to Temporarily Suspend Loan Deductions Due to Multiple Financial Commitments
Dear [Recipient’s Name],
I am writing to request a temporary pause in the loan deductions from my monthly salary due to several financial obligations that have coincided this quarter.
Currently, I am facing the following financial commitments:
1. Quarterly school fees for my two children due next week 2. Annual house insurance premium due at the end of this month 3. Car repair costs from an accident last month (not fully covered by insurance) 4. Increased healthcare costs for my elderly parent who recently moved in with us
The combination of these expenses has put significant pressure on my finances for the next two months. While I have always managed my budget carefully, this unusual convergence of costs requires some temporary adjustments.
I would greatly appreciate if you could suspend the loan deductions from my salary for the next two months (May and June 2025). This would give me the breathing room needed to handle these multiple obligations without falling behind on essential payments.
I plan to resume the regular loan repayments from July 2025 and am committed to completing the loan repayment as agreed. My past payment record shows my reliability, and this request is made only due to this temporary overlap of financial responsibilities.
Thank you for considering my request. Your understanding would be greatly appreciated during this challenging period.
Respectfully,
[Your Signature]
[Your Printed Name]
Wrap-up: Sample Request Letters for Loan Deduction Pause
Writing a good letter to ask for a break from loan payments takes clear communication and honesty. The key is to explain your situation clearly, suggest a specific timeframe, and show that you plan to restart payments later.
Pick the letter sample that matches your situation best and change the details to fit your needs. With the right approach, you can work through your temporary money problems while keeping a good relationship with your employer or lender.