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No matter how tempting it might be to take money from a doorstep lender or pay day loans company, think first. Everyday thousands of people are bitten by unscrupulous lenders charging huge interest rates. If you're not careful, what seems like an easy, quick fix can quickly turn into an even more difficult problem.
If you really need to borrow money, it’s better to choose a responsible organisation that specialises in affordable loans for people on low incomes who might otherwise struggle to get credit.
• Credit Unions
• Basic Bank Accounts
Credit Unions are community led and offer a variety of different services for saving and borrowing - find your local Credit Union here.
You can also get help from the Torus Foundation Financial Inclusion Team can also provide information on who can help support you with benefit / grant applications, help you manage your money or signpost you to organisations who can help.
Call them on 0300 123 5809, email info@torusfoundation.org.uk or use the online form. Find more information and support on the Torus Foundation website.