Payday loans are short-term loans for small amounts of money offering fast cash but interest rates are high and can lead to serious debt problems. They are not suitable for longer-term difficulties. A loan from a credit union is more affordable. If you have a bank account, you may be able to agree an overdraft. But be careful of going overdrawn without permission as this can be very expensive.
If you’re on a low income and need money in an emergency, you may be able to get help from the Social Fund, from a charity or other help in your local area, for example from a foodbank.
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