Help with loans

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Credit brokers and payday loans

If you are looking for a payday loan, using a credit broker to find one could cost you money in unnecessary fees. This page tells you more about what you should think about before you use a credit bro...

Second charge or second mortgages

Second charge mortgages are a secured loan, which means they use the borrower’s home as security. Many people use them to raise money instead of remortgaging, but there are some things you need to b...

Personal loans

If you want to borrow money and pay back a fixed amount every month, a personal loan is one option. Here’s what you need to think about before you borrow and how to make sure you get the best deal f...

Loan sharks

Loan sharks are illegal lenders who often target low income and desperate families. They might seem friendly at first but borrowing from them is never a good idea – even if you feel you have no othe...

Logbook loans

Logbook loans are loans secured on your vehicle, so the lender owns your vehicle until you pay the loan back. You can keep on using your vehicle as long as you repay the loan. However, logbook loans a...

Pawnbrokers – how they work

When you approach a pawnbroker you have two choices – either to leave something valuable as security for a loan, for example an asset such as jewellery or an antique, or sell the item to the pawnbro...

Borrowing from a credit union

Credit unions are community savings and loan cooperatives, where members pool their savings to lend to one another and help to run the credit union. A cooperative is an organisation which is owned by ...

Alternatives to payday loans

If you need to borrow money and are thinking of getting a payday loan, stop to consider your options. Although easy to set up, a payday loan can quickly turn into a problem debt for many people. It ca...

Home credit or doorstep lending

Home credit is a type of doorstep lending. It can be expensive compared to other types of borrowing , so is best avoided if you have access to other forms of credit. Find out why and what the alternat...

Payday loans advice

This is a placeholder page for the Payday Loans intervention tool. Please do not delete it. This article is provided by the Money Advice Service...

Debt consolidation loans

Consolidating all your debts into one loan might appear to make life easier but there might be much better ways of dealing with debts. Find out more about how debt consolidation loans work, then get f...

Find an adviser

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