Cards & loans
Moneymadeclear from the Financial Services Authority. When it comes to borrowing money, our impartial information and tools can help you work out what’s right for you.
Online adverts for credit – don’t be misled
While online adverts for credit may seem like a quick and easy option to get some much needed cash, their costs may not be clearly explained. Make sure you understand the full cost before taking out credit in this way.
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- Online adverts for credit
- Other ways to borrow
Useful links
Step-by-step guides
Product information
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Borrowing
Bank overdrafts
Personal loans
Borrowing from a credit union (Association of British Credit Unions)
Community Development Finance Institutions
Growth Fund lenders
Home credit (doorstep lenders)
Social Fund loans
Pawnbrokers (TheSite.org)
Payday loans
Logbook loans
Buying on credit
Credit cards
Hire purchase
Store cards and in-store finance
Credit card cheques
Other borrowing
Debt consolidation loans (Directgov)
Student loans (Directgov)
Protecting your repayments
Payment protection insurance
Tools & calculators
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Need to sort out your financial priorities?
Get a financial healthcheck
Need help finding the right product or service? Shopping around guideComparison sitesCompare payment protection insurance (PPI)
Calculators
Credit card calculator(Which?)
Loan calculator
Budget calculator
Student finance calculator (Directgov)
Other toolsDebt test
Debt Remedy (Consumer Credit Counselling Service – CCCS)
Check a firm has a consumer credit licence (Office of Fair Trading – OFT)
Find an affordable loan provider – Growth Fund Contracts (Department for Work and Pensions)
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Check our Register


0300 500 5000


Beware of offers to write off your debt (pdf) (Ministry of Justice/Office of Fair Trading)
Scams – pay-in-advance credit offers (Consumer Direct)