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.
Alternatives to Payday Loans: What to Consider First
Cheaper options to check before a payday loan: credit unions, overdrafts, Budgeting Advances, council support, help from lenders and free debt advice.
Universal Credit Advance Myths That Stop People Applying
Common myths about Universal Credit advances, cleared up: who qualifies, how repayments work and what happens to your credit file if you apply.