What If I Can’t Afford to Pay a Fine?

Fines are one of the most common sentences in magistrates’ court. But what happens if you simply can’t afford to pay it? The good news is that the court must take your financial circumstances into account — both when setting the amount and when arranging how it should be paid.

If you're on benefits or a low income, the court will usually base the fine on your disposable weekly income. You’ll be asked to complete a means form, which includes your income, expenses, and any dependants. The magistrates will then determine a fair amount, often allowing time to pay in instalments.

If you still can’t manage the payments, you should contact the fines office as soon as possible. You may be able to vary the payment terms, reduce the monthly amount, or apply for more time. Ignoring the fine can lead to enforcement action, including deductions from benefits, bailiff involvement, or even a return to court for non-payment.

Courts rarely want to punish genuine hardship. But they do expect you to engage with the process. The more proactive and honest you are, the more flexible the court is likely to be.

If your sentence was unexpected or you’re concerned about what happens next, it may help to read sentencing outcomes in magistrates court or explore what to say to reduce your sentence at the time of your hearing.

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