You should consider whether a payday or short term loan is right for you before making an application to a lender. This type of credit is not suitable for those that may already be experiencing financial difficulty and should only be considered in financial emergencies.

There are many alternatives to payday loans which can be found on the Money Advice Service website which we recommend that you read before making an application. This type of credit is expensive if used incorrectly or over long periods of time and if you do not meet repayments can have severe consequences on your credit score.

You can find help and discussions about payday loans and other credit products, along with tips and sensible money management advice at:

MoneySavingExpert.com