Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Short term loans are not the only answer to solve financial problems and there are many things you can do that can help you now and in the future. Understanding how you are spending your money is an important step to take and there are a number of apps you can use to help you with this including Money Dashboard and Meet Cleo.If you are borrowing money to make repayments on other loans and debts, you may be in a vicious circle and it might not be the best thing to do. If you think you need help with your debts, you can contact the Step Change Debt Charity service at www.stepchange.org who will provide free and impartial advice.