COVID-19 (2021): We are still experiencing a high demand so might not respond as quickly as you're used to.  Keep updated on our services during Covid and lockdown here. Thanks for your patience. 

Benefits and Money Advice

Borrowing money

No matter how tempting it might be to take money from a doorstep lender or pay day loans company, think first. Everyday thousands of people are bitten by unscrupulous lenders charging huge interest rates. If you're not careful, what seems like a easy, quick fix can quickly turn into an even even more difficult problem.

If you really need to borrow money, it’s better to choose a responsible organisation that specialises in affordable loans for people on low incomes who might otherwise struggle to get credit. Credit Unions are ideal.

Credit Unions are community led and offer a variety of different services for saving and borrowing. We've provided links to your local Credit Unions.


St Helens Credit Union

Partners Credit Union 

Check mark in a speech bubble

Benefits and Money Advice

House with speech bubble containing a question mark

Rent & Payments

Adjustable wrench with an exclamation mark

Repairs & Online Services

House with heart in the middle

Our homes