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Manage your debt

Read our helpful guides to reduce your debt and start saving

We understand that what's happening in your life and the world around you can affect your finances. Whether you prefer to read our guides, use our calculators or even book in on a webinar or speak to someone direct, we have you covered to help you find a solution for your individual financial needs.

Which of the following best describes you?

Whichever stage you’re at with debt, we’ve articles, calculators and webinars to help you.

Check your financial fitness score with our easy-to-use calculator

How it works

  1. Tell us a few details about your finances - including your spending, borrowing and saving.
  2. We'll calculate your financial fitness score.
  3. You'll also get tips to help you set achievable goals to improve your financial health.
  4. You can use the tool again in future to see if your score has improved.

How does borrowing work?

Here are some useful guides to help you understand more about borrowing


A debt consolidation loan can help you bring your debts together and create a simple repayment plan.


Look at when you may want to focus on debts and when it could be worth prioritising your savings.


Find out how buy now pay later (BNPL) works and whether it might affect your credit score.


Take a look at your options so you can find the one that suits you.


Find out more about APR, how it’s calculated and why it matters.


See how to use a balance transfer credit card in a cost-effective way.


Here are some ways you can boost your credit score and increase your chances of being accepted for credit.


The answer's not always black and white.

Help me get out of debt

We can help you explore your options for dealing with debt so you can get your finances back on track.

The faster you clear your debt, the less interest you’ll pay. Here are some tips on how to speed things up without dramatically changing your spending.


Talking about money can help reduce stress, manage your finances and reach your goals.


Find out what steps you can take to help you get back on track.


Get help if you're in persistent debt on your credit card over an 18-month period


This article tells you about illegal lending and what to do if you have borrowed from a loan shark.

More help with managing debt

We've created some step-by-step guides and interactive tools to help you manage your money

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Our experienced financial health specialists are available to speak to you about your banking and financial needs.


Our free webinars will give you the insight, knowledge and tools to help manage your debt.


See how quickly you could pay off your credit card by increasing your payments.

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Billions of pounds of government benefits and allowances are going unclaimed every year.

One of the reasons is that many people don't realise they qualify for them.

There are a number of independent organisations who can provide help and give general advice about managing money.

You can find out about free independent money advisers in your area from:

Explore more

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We understand that what's happening in your life and the world around you can affect your finances. That's why we're here, so we can help you find a solution for your own financial needs.


Managing your everyday spending successfully can give you real peace of mind. Check out these helpful tips, including planning a budget and making good financial decisions.

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Our financial fitness hub gives you the tools you need to help work your money harder.


Smart money tools in our app can help you keep an eye on your spending and stay on top of your finances.

It's easy to answer your query online. Visit our Help page to find out how.