MANAGE YOUR MONEY, DON’T STRUGGLE WITH DEBT

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There is lots of local support and advice out there for people but sometimes it can be difficult find help before it is too late. Credit Unions can provide loans for individuals without a good credit history and interest rates start at just 12.7 per cent, compared to payday lenders which charge APR of up to 1,509 per cent.

The council is warning residents against using a payday lenders or loan sharks and is instead urging people to apply for a cheaper loan through a Credit Union or seek advice for how to manage their finances.

For help and advice on how to manage your money, visit: www.wigan.gov.uk/moneyadvice Alternatively, email [email protected] for information about the council’s welfare outreach sessions.