When do you consider a loan to be ‘non-performing’? January 15, 2019 10:59 Updated Follow For information on 'non-performing' loans please see our Collections and Recoveries policy. Related articles If a loan does become non-performing, how long will it take me to get my money back? What happens if a borrower wants to extend a loan? Why have I not received my expected monthly interest? When would you appoint a receiver?