💸 Need a Loan? Here’s What You Should Know
🏦 Where Can You Get a Loan?
You can ask for a personal loan from:
- A bank 🏦
- A building society
- A finance company 💼
- Leeds Credit Union 🤝
You don’t have to be a customer to apply!
⚠️ Be Careful Before You Borrow : If you’re having money problems😟, try to get help before taking a loan.
👉 Visit the “Help with money problems“ section for support.
📍 How to Apply
You can apply for a loan:
- 🧍 In person at a branch
- 📞 By phone
- 📬 By post
- 💻 Online
💬 Staff at the bank or credit union will talk to you and help you choose the right loan.
📄 What You Need to Show
When applying for a loan, you usually need:
✅ Proof of who you are (ID or passport)
✅ Proof of your address
✅ Details about your income 💷
✅ What you spend every month
✅ Your credit history (your record of borrowing)
🌐 Want to know more about loans? Visit: Citizens Advice on Personal Loans
⚠️ Warning: Only Borrow from Trusted Lenders
🚫 Not all loans are safe. Be careful!
✅ Legal Options:
- Banks, building societies, credit unions, trusted finance companies
❗ Risky or Illegal Loans:
- Payday Loans ⚡
These are legal, but they can become very expensive if not paid back quickly. - Loan Sharks 🦈
These are illegal lenders.
They may seem friendly, but they often charge very high interest and can use threats or violence.
🚨 Report a Loan Shark
If someone is offering you a loan in a strange or unsafe way, report them:
📞 0300 555 2222
📧 [email protected]
💬 If you’re not sure what to do, talk to someone at Citizens Advice Leeds or your local credit union. They’ll help you stay safe and make smart money choices 😊.
