Bring your account current.
Line of Credit Reage option immediately brings a past-due Home Equity Line of Credit account current by reamortizing the loan. If you qualify for a reage, your past due account is immediately brought up to date and you are not required to pay the total amount of principal, interest and accrued fees. You must demonstrate an ongoing ability and willingness to meet regularly scheduled payments.
Apply for a Line of Credit Reage >
Keep your account in good standing by making a promise to pay.
Payment Promise is a form you submit to tell us that you plan to make a payment on a past due loan. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail) – and allows you to make payment arrangements with us.
Submit Your Payment Promise >
Get new loan terms that work better for your financial situation.
If you're experiencing an extended financial hardship, our
Loan Workout program may be able to help. We'll work with you to put your loan repayment back on track by rewriting your existing M&T Bank loan. This may involve rescheduling the loan over a longer payback period to lower your monthly payment.
Start the Loan Workout Process >
Are you active duty military? Take advantage of repayment programs designed for you.
The Servicemembers Civil Relief Act (SCRA) entitles eligible active duty U.S. Military members to certain benefits and/or protections related to their accounts with M&T Bank – including home equity lines of credit and several types of loans.
Learn About Programs for Servicemembers >