What FCA rules require payday lenders to check before lending, why repeat borrowing is a warning sign, and what it means if a loan was unaffordable.
How Payday Loans Work in the UK
What payday loans are, how they’re regulated by the FCA, how much they can cost, how repayment is collected and what to check before you borrow.
Credit Union Loans: A Lower-Cost Alternative to Payday Lending
How credit unions work, who can join, the legal cap on credit union interest in Great Britain, and how a credit union loan compares with a payday loan.
Continuous Payment Authority: How Lenders Take Repayments and How to Stop Them
What a continuous payment authority is, the FCA limits on how payday lenders can use it, and how to cancel one through your bank if you need to.
Borrowing From Family or Friends: How to Keep It Clear and Fair
How to borrow from family or friends without harming the relationship: agree the amount, write it down, set a repayment plan and know when to say no.