Payment Promise

If you're behind on your loan payments, informing M&T Bank of your intent to pay could help keep your account in good standing.

Submit a Payment Promise >

How a Payment Promise Works

A Payment Promise is a form you submit to tell us that you plan to make a payment on a past due installment loan. The form contains details about your promise to pay – how much, when and by what method (online, branch, mail).

If your account will be seriously delinquent (30 or more days past due) on the date you intend to make your payment, we strongly suggest that you contact us for assistance before completing your form. We may also be able to offer other solutions at that time.

How It Can Help

If you're behind on your payments, we would like to hear from you. With a Payment Promise, you may avoid unnecessary phone calls from us.

Getting Started

Make your Payment Promise today by completing this brief form.

Payment Promise Form ›

How to Contact Us

If you have questions, or need assistance on an account that will be more than 30 days past due, please contact M&T Customer Asset Management at 1-800-724-2525.


  • Monday–Thursday 8am–9pm ET
  • Friday 8am–5pm ET
  • Saturday 8am–12pm ET​
All Repayment Assistance options are not available with all products, and there is no guarantee that you will receive Repayment Assistance. You are obligated to make all future payments as they come due, even while M&T Bank is evaluating a request for Repayment Assistance. Additionally, M&T Bank will continue normal servicing of your loan up to, and including, referral to foreclosure and repossession during the time it is reviewing your request for Repayment Assistance. Credit reporting will continue, and, if applicable, your loan will be reported as delinquent until your loan is brought fully current. It is also important to note that the request for Repayment Assistance does not waive any remedies available to M&T under the terms of your loan documents. You may be required to pay additional fees/and or costs depending on the type of loan and solution you qualify for.
M&T Bank may be considered a debt collector. M&T Bank is attempting to collect a debt and any information obtained will be used for that purpose. To the extent your original obligation was discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this correspondence is for informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, M&T Bank retains rights under its security instrument, including the right to foreclose its lien.