We understand that this might be disappointing. Our lending criteria are designed to support responsible borrowing and protect the wider membership. This helps us ensure that any loans we provide are manageable and don’t add to financial pressure — either now or in the future.

We have provided some resources that we hope will help build your financial wellbeing and improve your chances of being eligible in the future.

 Advice and judgment-free support

• Citizens Advice Bureau  - contact through the national helpline or any local branch
• National Debtline - charity dedicated to providing free debt advice to people across the UK. 
• Money Helper - Government backed service offering impartial advice on managing money and debt.
• BeGambleAware - free, confidential help and support to anyone who’s worried about their gambling. 

Find out if you are eligible for financial support 

The Better Off Calculator can help you understand your income and outgoings and let you know if you are entitled to any support in the form of benefits. 

8 million households are missing out on £23 billion of support across the UK. Use our Better Off Calculator to see if you could be missing out on additional income and what your budget could look like with the additional support. The tool is free to use and requires basic information about: 

Please note, using this calculator means your personal data will be processed by Policy in Practice

How you can turn a ‘no’ into a ‘yes’ 

We have put together a few blogs that can help you understand why you may not be eligible at this time and how you could improve your application for the future.