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Instalment arrangement proposal

About this service

This service lets you send us a proposal to pay any amount(s) that you owe us by instalments.

When to use this service

If you’re unable to pay an amount you owe us in full, use this service to propose a repayment plan regardless of whether the amount you owe is overdue or not yet due.

Note for student loan borrowers

You can't borrow through the Student Loan Scheme if you have $500 or more in default at the time of your application, and even some portion of the amount has been overdue for a year or more. This applies to all new student loan applications and includes all:

  • unpaid repayment obligations
  • late payment interest
  • penalties, and
  • amounts under instalment arrangement

regardless of whether you've had a loan before.

What you will need
  • your IRD number.
  • details of your current financial situation including your weekly "after tax" income.

Although not essential, it would be helpful to have details of the amount(s) you wish to pay off - you can find this on a recent statement or from myIR:


After you finish

We’ll review your proposal and contact you within three working days to either:

  • let you know that we’ve accepted your proposal, or
  • ask you for further information to help us make a decision.


This service may require you to send confidential information to Inland Revenue so it is located on a secure part of our website to prevent unauthorised interception. If you are unable to access this service, your browser and/or firewall settings may need updating.

Inland Revenue takes online security very seriously. We have systems in place to protect the information you provide us, and regularly update our standards and technology to provide protection for your personal information.

You play an important role in protecting your information by taking basic precautions to protect your computer and data. You should keep your computer secure, only deal online with people and organisations you know and trust, and check that your personal information travels across the internet on secure connections.

There are many resources about computer security (such as websites, books and magazines) that can help guide you on what security precautions are appropriate for your situation.