Get Free Debt Advice

Get free independent debt advice

When faced with debt it can often feel like you are facing it completely alone. A short term loan may not be the correct answer to your financial situation. If you often find that you are struggling to cope financially it could be worth speaking to someone. There are several agencies in the UK that offer free and impartial debt advice without judgement. Here are some of the ones that are available for you to speak to free and confidentially:

The Money Advice Service

The Money Advice Service helps you manage your money better. Use our Health Check tool, calculators and comparison tables to make the most of your finances.

Call them: 0300 500 5000
or Visit their website


National Debtline

National Debtline offers free, confidential and independent advice on how to deal with debt problems for people in England, Scotland and Wales.

Call them: 0808 808 4000
or Visit their website


StepChange (CCCS)

The CCCS provide a free helpline offering free, independent and impartial advice to people that live in the UK who have debt problems.

Call them: 0800 138 1111 (free phone including all mobiles)
or Visit their website


Civil Legal Advice (CLA)

If you qualify for legal aid and live in England or Wales, CLA can provide free help or legal advice over the phone for problems with debt if your home is at risk, housing and much more.

Call them: 0845 345 4345
or Visit their website



Payplan provides free money advice and budgeting help to people living in the UK, including free debt management plans and IVAs (Individual Voluntary Arrangements) without upfront fees.

Call them: 0800 280 2816
or Visit their website


Advice guide

Advice Guide is part of the Citizen’s Advice Bureau and provides information on your rights, including benefits, housing, family matters and employment, and on debt, consumer and legal issues.
Visit their website