There are different ways you can borrow money to buy or lease things you need. Before you borrow, make sure you know all the costs and check you can afford the repayments.
The following pages explain some of the other ways you can borrow money, including buy now pay later services, consumer leases and interest-free deals. You can:
- Learn about the real cost of buy now pay later services, including the impact on your credit rating.
- Understand how a pay advance service works, before you sign up.
- Work out how to evaluate an interest-free deal and use our calculator to plan your repayments.
- Understand what a consumer lease is, and use our rent vs buy calculator to see which option will be better for you.
If you're in crisis or struggling to make ends meet, see urgent help with money. There are services to help you with food, bills, housing and emotional support.