Don’t be tempted by fast cash — get the facts about payday loans Contact us Cymraeg

Have you checked out the alternatives to a payday loan?

Find out about cheaper, lower risk alternatives and how to tackle money problems.

If you’re regularly behind with gas, electric or other utility bills, a payday loan might not be the best option.

Here’s what you can do instead:

  1. Read our guide: Talk to the people you owe money to. If you'd like someone to do this on your behalf or need advice find a free debt adviser now. They can deal with a range of debt problems based on your personal circumstances.

  2. Contact the energy supplier and explain that you’re struggling to pay them. If you are behind with your payments, your supplier should treat you fairly and allow you to repay at a rate you can afford.

  3. For free energy saving advice please contact Energy Saving Advice Service on 0300 123 1234 (for England and Wales) or Home Energy Scotland (external link) on 0808 808 2282 (for Scotland).

Many suppliers offer extra help to customers who can’t pay their bills. It’s very unlikely that you’ll be disconnected if you’re behind with your payments (as long as you don’t ignore your bill). But you MUST talk to your supplier, so phone them straight away if you haven’t done so.