Credit

Credit can help you manage your money – whether you’re looking to cover planned expenses or need to meet unexpected costs. But it’s important to use it in the right way.

Our guides will help you understand:

  • how credit works
  • what’s the best type for you
  • how to make sure you can afford repayments
  • how to apply for credit
  • what to do if you’re refused credit
  • how to manage your credit well.

So whether you’re new to credit, looking to improve how you manage it or need some support, we can help.

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Hot topics

Using credit wisely

If you’re not meeting loan payments or are using credit for essential items, you need to take action. We give step-by-step help if you’re overloaded with credit from different sources.
What is a bad credit score?

Your credit score shows how attractive you might be to lenders. Here’s how to check yours for free and get help if you need to kickstart a makeover.

Articles

Affording and getting credit

Mainstream credit

Managing credit wisely

Alternative forms of credit

Borrowing with or from others

High-cost credit

Dealing with problems

Support

Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

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Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
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Hours
  • Mon – Fri:9.00am – 5.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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Talk to us live for money guidance using the telephone.
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  • Mon – Fri:8.00am – 6.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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Use our travel insurance directory to get a list of specialist providers you can contact directly, as we can't give you quotes.

Need further help? If you’ve used the directory or you need further help to find an insurer, the British Insurance Brokers’ Association can link you with a broker. Call: 0370 950 1790

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If you’ve missed payments and are struggling with debt, call us and press 1 to speak to one of our debt advice partners. Hours
  • Mon - Fri: 9.00am - 5.00pm
  • Sat Sun and bank holidays: Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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Our specialists are here to support you over the phone. Hours
  • Mon - Fri 9.00am - 5.00pm
  • Sat-Sun and Bank Holidays Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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  • Mon – Fri:9.00am – 5.00pm
  • Sat, Sun and bank holidays:Closed
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  • Mon – Fri:8.00am – 6.00pm
  • Sat, Sun and bank holidays:Closed
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Talk to us live for money guidance using WhatsApp

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For help sorting out your debt or credit questions. For everything else please contact us via Webchat or telephone.

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