Process & terms

Can I change my personal loan due date?

Short answer

Usually yes. Most lenders allow one or two due-date changes per loan, free of charge, with a request through their servicing portal or customer service. The new due date typically takes effect within one billing cycle.

Context

Changing your due date is useful when your income arrives on a different schedule than the lender's default (often the 1st or 15th of the month). Aligning the due date with your payday cycle reduces the chance of insufficient-funds events.

Some lenders limit due-date changes to once every 12 months or once per loan. A few don't allow changes at all on automatically-amortising loans. Check your loan agreement or call the servicer to confirm before assuming flexibility.

Editorial

Reviewed by: Compliance Review
Last reviewed: May 22, 2026

Glossary: Monthly payment

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