Payday loan best buys?
Check cheaper alternatives first
Need some quick and easy cash? A payday loan feels easy, but even now the amount of interest you pay has been capped, these loans are still an expensive nightmare. Take one out and you risk scarring your finances, and the possibility of paying back double what you borrowed.
Credit cards for bad credit
Top cards for rebuilding your credit score
Applied for a credit card and been rejected? FREEZE! Assess why you've been knocked back, then find cards that fit your profile or try to rebuild your credit rating using the top 'bad credit' credit card – and always pay it off in full. Plus find out how to avoid the rejection spiral and improve your credit history.
Formal debt resolution tools
If you have extreme debts, a formal debt solution – bankruptcy, individual voluntary arrangement or debt relief order may be the only way back. It's not a step to be taken lightly, and you should ALWAYS seek debt advice first. This guide acts as a reference, helping you to decode all the confusing language surrounding ways to deal with debt and help you find the right solution.
Local community savings & loans
Credit unions offer an alternative to traditional banks and building societies for saving and borrowing. They can sometimes beat the rates on the high street. We explain how to find a credit union, how they keep your money safe, and when you should use them.