South Manchester Credit Union can signpost information to help guide you in the right direction.
Struggling to repay your loan
If you have any troubles repaying your loan, the best thing you can do is get in touch with us. We can look at reduced payment amounts or a payment freeze to give you some breathing space.
Use the Budget Planner to get in control of your household spending and analyse your results to help take control of your money.
Feel in control of your gambling
Be Gamble Aware offers free, confidential help and support to anyone who’s worried about their, or someone else’s, gambling.
Good quality independent advice
Citizens Advice provides good quality independent advice to millions of people for free. They want to give people the confidence they need to find their way forward.
The Money Navigator tool
If you need tailored guidance for your finances, The Money Navigator tool can help. From reduced income to making the most out of savings, the tool gives you action plans based on your own situation.
Free debt help & advice
Step Change offers the widest range of debt solutions to help, no matter what you’re dealing with.
Free courses to learn digital skills
Learn My Way has free digital skill courses to help you stay safe and feel connected. Discover the online basics, how to manage your money online, online safety and a whole lot more! If you’re a beginner to anything on the internet – this could be the place to start.
Kirstie's IVA Testimony
Kirstie wrote her testimony to explore her personal experiences as well as explain how she handled her debts. She wanted to share her story with people who are in a similar position and give people the confidence to get through their struggles.
“If I can help one person, it’s worth it”