How long to pay?

[StressedD]

Long story short, I was an idiot earlier and was caught by a speed camera (saw the flash). I'm usually really observant about speed limits and am currently kicking myself over it.
Looking online, I can see it takes around 14 days for the paperwork to arrive and then, once I've sent it back, I have to wait for the FPN.
Even though it's a first offence, I've managed to convince myself that I'll get the £100 fine and 3 points. Especially as I can't see the speed awareness courses being held at the moment due to restrictions (I could of course, be wrong).
Does anyone know, from getting the FPN how long I would have to pay the fine as £100 upfront isn't something I can afford. I can't get a loan (on UC) and asking family/friends is out of the question (have issues with some family members which has resulted in going NC with them and friends are in the same financial boat).

how much over the limit were you?

Speed awareness courses are taking place over zoom, I did one last month.
I think it's 28 days from the date of the letter to pay the fine, it was 28 days for me to get booked into a course anyway.

I can see this varying by police force so other people's experiences might not be relevant.

There should be something on the paperwork about what to do if you can't pay the fine all in one go.

Best thing to do is see if you do get a fine, because you might not - do you think you were actually speeding? Then if you do, when you get to the stage where they want you to send money, follow whatever the letter says about asking for time to pay, because they should be more accommodating if you keep them informed that you are a 'can't pay' not a 'won't pay'.

If you tell them that you're on universal credit, that will alert them to the fact that you don't have much, if any spare money for unexpected expenses, but be prepared to prove this to them, by sending a summary of your income and expenses. Otherwise they'll probably assume that you're trying to get out of paying because you'd rather keep your money for nicer things than speeding fines.

Speed awareness courses cost just about the same as speeding fines anyway, so if you get a ticket, there will be a cost either way.

@BarbaraofSeville There were 2 flashes and the road was quiet. It's entirely my own fault. The speed limit was recently changed and I muddled myself and thought it was still the old limit. No excuse, my speedometer read 38-40 and the limit had been dropped to 30.
It wasn't like they didn't give notice for the last few months about the change, either.
I'll just have to wait and see what turns up in the post. If I get 28 days to pay, I should be able to scrape it together.