Need a loan?

Need a loan?

You don't need to go to a high-cost lender, loan shark or illegal money lender to get a loan - there are other alternatives and many agencies in Leeds that can help with money advice and low cost loans.

Loans and Saving with Leeds Credit Union - A financial cooperative that gives its members access to affordable loans, savings accounts, current accounts and payment cards, Christmas Club and budgeting advice. Tel: 0113 242 3343 or visit to find out more information and where your local branch is visit

The Credit Union is a trusted, local source of financial information, help and advice. Offering competitive rates on the loans, and repayment packages based over a period you can afford, interest is calculated on a daily basis, and therefore will reduce as the loan reduces.

The Money Advice Service offers clear, unbiased, money advice and can be accessed by the telephone or online. The website provides interactive tools and information on a range of issues such as budgeting and savings, credit and borrowing, mortgages, insurance, debt and retirement planning, as well as managing life changes such as starting a family or losing a job. Tel: 0300 500 5000.

Loans with Headrow Money Line - Headrow Money Line (HML) was set up to work alongside the credit union to enable higher risk loans to be provided to those who might not otherwise be able to get credit other than through very expensive sources such as high cost lenders. Tel: 0843 658 0121 or email

A Budgeting Loan is an interest free loan. It is for people who have been on either Income Support, income-based Jobseeker’s Allowance, Employment and Support Allowance (income-related), Pension Credit or payment on account of one of these benefits, for at least 26 weeks. Tel the DWP: 0845 6088590 to find out if you qualify for help.

Leeds Credit Union: Your Loan Shop - Leeds City Credit Union has opened Loan Shops on Roundhay Road and also within The Compton Centre. A new loan shop has also opened in the Merrion Centre (Kiosk 3).
‘Your Loan Shop’ is supported by an interactive website for those who are unable to visit personally, or just a telephone call away from a friendly voice. The shop has a customer service area where online applications are available along with all other Leeds City Credit Union products and services. Computers for public use are also available at these locations. Tel: 0113 242 3343 or visit

How to Report a Loan Shark If you want to report a loan shark or illegal money lender you can phone 0300 555 2222 or text the lender's details to 07860 022 116, or email

Useful support numbers:​​
Jobcentre Plus Tel: 0845 6060 234
Pension Service Tel: 08456 060 265​​​​​​​​​​​​​​​