This Money Helper (Money & Pensions Service) ​​guide is for you if you need access to credit but you can’t use a mainstream lender and you don’t want to use a payday loan or other forms of high-cost credit.

When you read it, you’ll know:

• how credit unions work and how they can help you
• how to join a credit union
• what other sources of fair and affordable credit might be available to you.​
• To view this guide please click HERE

More information can be found on the Money Helper website at https://www.moneyhelper.org.uk/en/everyday-money/credit

For the Service community, there are three MOD-endorsed credit unions - see https://www.joiningforcescu.co.uk/​