Other ways to borrow short-term

Pay day loans are an expensive way to help people over temporary problems. They are not suitable for long term difficulties. If you are regularly getting payday loans, then you may need to get advice about your finances.

A loan from a credit union will be more affordable. There is a cap on the amount of interest they can charge and there won’t be any hidden charges if you pay the loan back early.

If you have a bank account , you may be able to agree an overdraft. But be careful of going overdrawn without permission.

If you’re on a low income and need money in an emergency, you may be able to get help from the Social Fund.

If you have a credit card, you might be able to increase your credit limit. Think carefully about this, because having a high credit limit can make it more difficult to borrow in future.