Can You Change Your Personal Loan Due Date?

A personal loan payment due date that doesn’t line up with your pay schedule can make budgeting harder than it needs to be. Many borrowers wonder whether it’s possible to change their due date after the loan is already active.

In many cases, lenders do allow due date changes—but there are rules, limitations, and potential side effects to consider. This guide explains how due date changes work, when they’re allowed, and how to decide if changing your due date makes sense.

What is a personal loan due date?

Your due date is the day each month your personal loan payment is expected. Payments received after this date may be considered late and subject to fees or penalties.

Due dates are usually set when the loan is originated and often align with funding or first payment timing.

Do lenders allow due date changes?

Some lenders allow borrowers to request a due date change, while others keep due dates fixed for the life of the loan. Policies vary by lender and loan type.

When changes are allowed, lenders may limit how often you can adjust the due date or restrict changes to a certain window each month.

Common reasons borrowers request a due date change

• Aligning payments with paycheck timing
• Avoiding accidental late payments
• Adjusting after a job or income change
• Simplifying monthly bill schedules

How to request a personal loan due date change

Most lenders require you to contact customer support or submit a request through your online account portal. Some may ask for the request before your next payment is due.

You may need to choose from a limited range of available due dates, rather than selecting any date you want.

Does changing your due date affect interest?

Changing your due date typically does not change your interest rate, but it may slightly affect how much interest accrues during the transition period.

Some lenders may require a short adjustment period, which could result in a slightly higher or lower first payment after the change.

Potential drawbacks of changing your due date

In some cases, changing your due date can create confusion if payment schedules shift unexpectedly. Missing a transitional payment can still lead to late fees.

It’s important to confirm the new due date in writing and monitor your account closely after the change.

Due date changes vs automatic payments

Setting up automatic payments is often a simpler alternative to changing your due date. Autopay ensures payments are made on time, regardless of the specific date.

Many lenders also offer interest rate discounts for enrolling in autopay.

When changing your due date makes sense

A due date change can be helpful if your income timing has changed or if you’ve struggled with late payments due to cash flow timing.

When it may not be worth changing

If your lender charges fees, limits changes, or creates confusing transitions, sticking with your original due date and using autopay may be simpler.

Frequently asked questions

Can I change my due date more than once?Some lenders allow multiple changes, but many limit how often this can be done.

Will a due date change affect my credit?No, as long as payments are made on time.

Does changing the due date extend my loan?It usually does not, but confirm with your lender.