Financial wellbeing and support
Managing your finances isn't always straightforward, especially when household expenses, unexpected costs or changes in circumstances affect your budget. Whatever your situation, there are organisations, resources and support services available to help you understand your options and feel more confident about managing your money.
Contact us immediately if you are worried about your next loan repayment.
Check what support may be available
Depending on your circumstances, you may be entitled to financial support, benefits or other assistance that could help with everyday living costs.
Benefits and financial support
If you're on a low income, unable to work, caring for someone, or receiving a pension, you may be eligible for financial support through government benefits or other schemes.
Useful resources include:
- Universal Credit for people on a low income or who are unable to work.
- Carer's Allowance for people who provide regular care for someone.
- Pension Credit for people over State Pension age on a low income.
You can also use benefits calculators and guidance services to check what support you may be entitled to.
Employment and income
It's important to make sure you're receiving the pay and benefits you're entitled to. If you're unsure, guidance is available to help you understand your rights and check your earnings.
Help with household costs and bills
Support may be available if you're finding it difficult to manage essential household costs, including:
- Energy and utility bills
- Council tax and tax payments
- Travel costs
- Home energy efficiency improvements
If you're struggling to pay a bill, contact your provider as soon as possible, as they may be able to offer support or discuss available options.
Practical steps to support your financial wellbeing
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Keep track of your spending and review your budget regularly.
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Check you're receiving any support you're entitled to, including benefits, grants or other assistance.
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Review household bills and subscriptions such as mobile phone, broadband, television and streaming services. Comparison websites such as Compare the Market can help you explore available options.
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Review your insurance policies regularly to ensure they're still suitable for your needs and offering good value.
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Speak to service providers early if you're worried about paying a bill, as support may be available.
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Seek free independent debt advice from organisations such as StepChange if you're struggling with debt or repayments.
Payment difficulties
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If you are having any payment difficulties, please Contact us for help.
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What additional help and support can I get?
You can find more information on what help and support you can get if you are facing debt or payment difficulties here.