Why can't I change my Direct Debit amount? Your Direct Debit is set to pay the minimum amount required to fulfil on your contractual obligations but you can always make extra payments in your online account to pay your loan off quicker. Related articles What happens if I make additional repayments on my loan? Can I pay my loan off early? Do you send payment reminders? If my Direct Debit fails, will you attempt to take the payment again? What if I want to make an additional payment or partial settlement?