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Loan Workout

We may be able to work with you to restructure your loan. Submit some basic information, and an M&T Credit Representative will contact you to take the next steps.

Here's how it works.

Our Loan Workout program allows you to rewrite your existing M&T Bank loan when you're experiencing an extended financial hardship.

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  • No consolidation fees
  • Reasonable interest rate and terms
  • May decrease your monthly payment

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To be considered for this program, you'll need to be able to show you:

  • Are experiencing a hardship
  • Are currently employed
  • Have made at least 9 payments on the loan

For home-secured accounts, the property must be owner-occupied.

It's easy to get started.

In just a few minutes, you can complete the Loan Workout form.

You'll need the following information to complete this form:

  • Loan account number
  • Valid U.S. Social Security Number
  • Property address (if your loan is for a property)
  • Year, make and model (if your loan is for a vehicle)

​Need assistance?

If you have any questions, please contact us at 1-877-208-5495.

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Monday–Friday 8am–5pm ET

* indicates a required field

Borrower's Information


Current Address

What length of time have you lived at your current address?

Previous Address

How long did you live at your previous address?

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Nearest Relative's Contact Information

Enter contact information for the relative that lives closest to you.Ìý

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Financial Information

Employer Information

Length of time in position?

Nature of Self-Employment

School Information

Do you have any bankruptcies against you?*
Do you have any judgements against you?*
Are you currently enrolled with a consumer credit or debt management system?*
Do you have any garnishments against you?*
Do you own or rent your place of residency?*

Property Information

Vehicle Information

Disclosure

By clicking the box below, I agree to the following:

In connection with your application or any update, extension or renewal of any credit we extend you as a result of the application, a credit report may be requested from a credit-reporting agency. Upon request, we will tell you if a credit report was requested and, if so, the name and address of the credit-reporting agency furnishing the credit report. To request the information, call 716-630-4948 or write M&T Bank, Loan Work Out Department, PO Box 2187, Buffalo, New York 14240-2181

I understand that initiating this action will cause a confirmation email to be sent to the email address I have provided to M&T Bank and consent to receive said email confirmation at the time I authorize this action.

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