All of our guides in one place, topic by topic.
Alternatives
Cheaper ways to cover a short-term gap.
- Alternatives to Payday Loans: What to Consider First
- Borrowing From Family or Friends: How to Keep It Clear and Fair
- Budgeting Loans and Advances: Interest-Free Help With Essential Costs
- Credit Union Loans: A Lower-Cost Alternative to Payday Lending
Benefits and Support
Universal Credit advances, hardship grants and local help.
- Getting Started With Charitable Grants for Essential Costs
- Getting Started With Local Welfare Assistance Schemes
- Universal Credit Advance Myths That Stop People Applying
- What to Have Ready When You First Claim Universal Credit: A Checklist
- When to Apply for Council Tax Reduction: A Timeline for Claiming Help
Borrowing Responsibly
Questions to ask before you borrow.
- A First-Timer’s Guide to Reading a Loan Agreement
- Affordability Checks: What Payday Lenders Must Look at Before Lending
- Before You Borrow From an Online Lender: A Checklist
- Complaining About a Payday Loan: Lenders, Deadlines and the Financial Ombudsman
- Struggling to Repay a Payday Loan: Your Options
Complaints and Rights
Refunds, the Ombudsman and lenders that have closed.
- Chased for a Payday Loan You Don’t Owe: What to Do
- Does Complaining About a Payday Loan Really Work?
- Financial Ombudsman or FCA: Who to Complain to About a Payday Lender
- Payday Loan Disputes: Financial Ombudsman vs County Court
Credit Files
How short-term borrowing shows up and how to rebuild.
- A Timeline for Rebuilding Credit After a Payday Loan Default
- Does Paying Off a Payday Loan Remove It From Your Credit File?
- Five Myths About Payday Loans and Your Credit File
- Payday Loan Credit Report Terms to Know
Debt Help
Free advice, Breathing Space and formal debt solutions.
- A Timeline for an IVA: What Happens and When
- Debt Relief Orders for Beginners
- Six Bankruptcy Myths That Stop People Asking for Help
- What Happens When a County Court Judgment Is Made Against You
- When to Apply for Breathing Space: A Timeline of the Process
How They Work
Costs, repayment terms and what lenders check.