Free Independent Debt Advice

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

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:

National Debtline

National Debtline offers free, confidential and independent advice on how to deal with debt problems.

Call them: 0808 808 4000

Visit their website:

Civil Legal Advice

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:

Advice Guide

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:

StepChange (CCCS)

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:


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:

Warning: Late repayment can cause you serious money problems. For help, go to Representative 767.9% APR. Representative example: £500 borrowed for 5 months. Total amount repayable is £940.74 in 5 monthly instalments of £188.15. Interest charged is £440.74, interest rate 211.6% pa (variable).