Don’t be tempted by pay-day loans, doorstep lenders or loan sharks. If you have borrowed money from a loan shark you can report them at www.gov.uk/report-loan-shark.
Be particularly careful about looking for online loans. Some payday loan brokers have withdrawn money from people's bank accounts to pay for their comparison services. If this has happened to you, contact the Financial Ombudsman for advice.
You may be able to borrow money at much cheaper rates by joining a credit union.
Credit unions
Credit unions are set up for the benefit of local people. Profits are put back in to the credit union to improve its services and products for you.
They can also help you buy essential home items at a low weekly payment that's much cheaper than many high street companies.
Find your nearest credit union at www.findyourcreditunion.co.uk
Financial emergency
You can apply for a cash grant of between £30 and £60 if you are in crisis or have an emergency that's out of your control.
Apply for a cash grant if you are in financial crisis.