Customer Advice
Plain-English guides to borrowing well, and where to find free, confidential help if money gets difficult.
Our guides
Borrowing Responsibly
What lenders really look for, the habits that raise red flags, and how to keep the cost of a loan down.
Read the guide → 02Struggling With Repayments
What to do first, what your lender has to do, and the free help that can take the pressure off.
Read the guide → 03Credit Scores Explained
What's on your credit file, how to see it for free, and the myths that worry people for no reason.
Read the guide →Free, confidential help
If you're worried about money or debt, you don't have to work it out alone, and you never have to pay for help. These organisations give free, confidential advice, and lenders know them and work with them:
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MoneyHelper
Free, impartial money guidance backed by the government – and a tool to find free debt advice near you.
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StepChange
A debt charity offering free advice online and by phone, and free debt solutions where they fit.
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National Debtline
Free, independent debt advice by phone and online, run by the Money Advice Trust charity.
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Citizens Advice
Free advice on debt, benefits and much more – including face to face at a local office.
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Business Debtline
Free debt advice for the self-employed and small business owners.
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Christians Against Poverty
A charity offering free debt help, including home visits. You don't need to be religious to use it.
A note about our advice
We're a credit broker, so our guides explain how borrowing and credit work in general. We can't give you personal advice on how to deal with your debts – for that, please speak to one of the free services above. They're independent, and they'll look at your whole situation.