Before you commit to applying for any type of loan it is well worth evaluating whether you truly need to. A great way to do this is to seek independent financial advice. Here are some of the organisations in the UK that offer free independent financial and debt advice.
The Money Advice Service helps you manage your money better and make the most of your finances.
Call them: 0300 500 5000
Visit their website: www.moneyadviceservice.org.uk
National Debtline offers free, confidential and independent advice on how to deal with debt problems.
Call them: 0808 808 4000
Visit their website: www.nationaldebtline.org
Get free and confidential legal advice in England and Wales if you’re eligible for legal aid.
Call them: 0845 345 4345
Visit their website: www.gov.uk/civil-legal-advice
Advice Guide is part of the Citizen’s Advice Bureau and provides information on your rights on benefits, housing, debt, consumer and legal issues.
Visit their website: www.adviceguide.org.uk
The CCCS provide a free helpline offering free, independent and impartial advice to people in the UK.
Call them: 0800 138 1111
Visit their website: www.stepchange.org
Don't pay for debt management. Payplan offer free debt management plans, free advice and experienced specialists to help you get debt-free
Call them: 0800 280 2816
Visit their website: www.payplan.com