No problem. If you don't have the funds right now, just tell us a later date that would suit. A lot of people choose their payday. You can also break your balance down into smaller, more manageable chunks and pay it back over time. We do a budget assessment so that you can quickly work out your incomings vs. outgoings and get an idea of how much you could pay. And we never make you pay anything you can't afford.
If you are really struggling financially, that's also ok. There are lots of amazing free debt advice organisations out there who can help get you back on your feet. You can find more information on some of these below: