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Payment Plans

At The Cognitive Collective, we understand that managing the cost of an Autism Assessment can be a concern
— which is why we're pleased to offer flexible, interest-free payment plans via PayItMonthly.

What Is
PayItMonthly?

PayItMonthly is a retail finance provider that lets you spread the cost of an eligible purchase over several interest-free instalments. 

How it
works with us

  • Only available for full Autism Assessments — payment plans are not offered for 1-2-1 sessions or autism screenings. If these are not in your price-range, unfortunately we are not the right service for you. 
     

  • Up to 12 monthly instalments, 0% interest, with a deposit of £150 required.
     

  • To arrange a payment plan, you must contact us directly, so we can set up the agreement—these cannot be booked through the website automatically. We will create your credit agreement via PayItMonthly and email it to you for review and signature.
     

  • Once agreed, we will schedule your Autism Assessment on the next available date, around three weeks later.
     

  • As part of the process, we will also ask you to physically sign an invoice confirming that you have received your Autism Assessment on the day of the ADOS-2 assessment.
     

  • There is no hard credit check required—but a soft credit check may be performed, which typically does not affect your credit score.
     

  • Missed payments, however, may result in actions outlined in the agreement and could impact your credit score.

Example Plans

12-Month Plan (Total Cost £1,800)

  • Deposit (first instalment): £150

  • Followed by 11 monthly payments of £150 each

  • Total: £1,800 over 12 months.


6-Month Plan (Total Cost £1,800)

  • Deposit (first instalment): £300

  • Followed by 5 monthly payments of £300 each

  • Total: £1,800 over 6 months.


3-Month Plan (Total Cost £1,800)

  • Deposit (first instalment): £600

  • Followed by 2 monthly payments of £600 each

  • Total: £1,800 over 3 months.

Important Information

  • Cooling-off period: Under UK law, you have a 14-day “cooling-off” period, during which you may cancel the plan without penalty.
     

  • FCA status: PayItMonthly is not currently regulated by the FCA—which is unfortunately typical for many interest-free instalment schemes.
     

  • Soft versus hard credit checks: While we do not conduct a hard credit check, PayItMonthly may perform a soft check to assess eligibility. A soft check generally has no impact on your credit report—but missed payments may result in negative marks on your file.
     

  • Missed payments: Failure to make a payment as per the agreement may lead to actions specified in your credit agreement, and could affect your ability to access credit in the future.

     

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PayItMonthly Statement and Contact Details:
 

How it appears on your bank statement: BPS re: PAYITMONTHLY

Company name: PayItMonthly Ltd t/a PayItMonthly

Company No. 09719909

Registered address: Ellenborough House, Wellington Street, Cheltenham, GL50 1XZ

PayItMonthlyCompany Information Service.

PayItMonthly Reception & Reviews

PayItMonthly is generally well-regarded for its ease of use and transparent terms:

​

Trustpilot:
PayItMonthly holds an excellent rating of 4.8 out of 5, based on thousands of reviews.

​

Smart Money People:

Their finance product averages 4.88/5, with 93% of reviews giving 5 stars.

 

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These testimonials reflect PayItMonthly’s reputation for clarity and smooth customer experience, though some users have flagged the lack of FCA regulation as a downside.

Additional Support: Dealing with Debt or Money Worries

 

If you're managing financial pressure or worries, you might find these resources helpful:
 

  • Citizens Advice – Free, confidential advice on money, debt, and benefits.
     

  • StepChange – Specialist debt advice and solutions.
     

  • MoneyHelper (government-backed) – Tools, tips, and guidance for budgeting, debt, and financial resilience.

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