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Free advice on problem debt
based on what's best for you

0800 138 1111 Freephone (including all mobiles)

Money problems? Payday loans aren't the answer. We can help.

If you’re struggling, payday loans aren't the answer. As the UK’s leading debt charity, we can help you get debt free. We offer expert debt advice & practical solutions, like fee-free debt management plans. 

Who we are

We help 500,000 people a year across the UK to get their lives back on track. Seek our help and you'll get a personal action plan to deal with your debts. Once your creditors know you’re getting debt help from us they're likely to give you breathing space to sort out your debts.

Break free from the cycle of borrowing

Sort out your debts now

Our Debt Remedy advice tool will help you build a budget & provide a personal action plan to manage your debt.

FREE online debt advice   20 mins

Use Debt Remedy

Dealing with payday loans 

We're experts in debt. We help thousands of people each month cope with payday loans.


How to stop your payday loan debt spiralling

If you’re struggling with payday loan debt please don’t rollover your loan or borrow more. Your debt will spiral. Follow this advice to re-take control:

Cancel the CPA payment  

If paying back the payday loan means you can’t pay your important bills you should stop the money being taken. Most payday loan repayments are set up using a continuous payment authority (CPA). The CPA is a direct link to your bank. If the money isn't there it could lead to you getting bank charges.

If you can’t make the full repayment you should cancel the CPA. Here’s how: 

  • If it’s the day the payment is due ring the bank asking them to cancel the payday loan payment
  • If it’s 1-5 days away email this template letter to the bank
  • If it’s more than 5 days away send this template letter to the bank by post

To keep them in the loop you should send a copy of the template letter to the payday loan company too. Do this after the bank has cancelled the CPA

Get debt advice

A payday lender cannot make you repay more than you can afford. We can work out how much that is and crucially, provide a budget to prove that to your lender. The easiest way to do that is to use our online Debt Remedy advice tool or call 0808 168 6718*. 

We’re here for you 

Very often people take payday loans because they’re desperate, but there is another way. For free debt advice and practical solutions use Debt Remedy or give us a call (0808 168 6718*). We'll help you so you don't have to borrow money to get by. 

Not ready for advice yet? Visit our payday loans page. We have a payday loans guide and information on cheaper borrowing.

*Calls are free from UK landlines. Mobiles could cost considerably more. Please check with your provider.

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0808 168 6718* 8am to 8pm Monday to Friday, 8am to 4pm Saturday.

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Why choose us?

We help more than 500,000 people a year and have over 20 years’ experience. You can be confident that you’re getting the best possible advice.

  • Our advice is completely FREE. We put your interests first, so you can be sure our advice is based on what’s best for you.
  • Tailored adviceWhether you go to our online Debt Remedy tool or speak to one of our expert advisors, our advice will always be right for you.

What our clients say about us

"Thanks for helping me keep my home and happiness...I was desperately worried. Now I can feel confident about the future."
- Karl, Leeds

Read about the lives we've changed»


Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2016