Money advice

If you are looking for options to borrow money, struggling with debt problems, or concerned about getting behind with bills and rent, there are a number of organisations in the borough that can help.

It is important that you know how much money you have coming in and how much you are spending. The Citizen’s Advice Bureau can help, along with Unify and Welcome Credit Unions. There are also a number of other support organisations in the borough who offer this advice alongside other services. If you live in a council-owned home, we can also help you with this.


Credit unions are non-profit financial organisations owned and run by members. Membership of a credit union can help you to save and provide access to low cost loans. There are two credit unions operating in Wigan Borough.

You can contact either:

Pay day lenders

Pay day lenders are companies that offer small, short term loans. The interest rates charged on these loans are extremely high. Wigan Council discourages residents from taking out pay day loans because they can quickly get into a level of debt that is difficult to deal with. They can also affect your ability to get credit from other lenders in the future.

Loan sharks

It is illegal to lend money without a license. Loan sharks are companies or individuals who lend money illegally, often charging very high interest rates. They can also use threats or violence to frighten people into paying them off. If you think you may have borrowed money from a loan shark or know about one, you can report them anonymously to the Illegal Money Lending Team through the contact details below.

Telephone: 0300 555 2222, available 24 hours

Textphone: Text LOAN SHARK and the lender’s details to 07860 022116.


If you find that you are struggling with debt and are unable to manage repayments, it is important to think about which debts you need to deal with first. Paying the mortgage or rent, any fuel bills, your Council Tax bill, court fines, Income Tax or VAT should take priority. There can be serious consequences to not paying these bills. Bank loans and credit cards are non-priority debts. You must let the people you owe money to that you are having problems as soon as possible. The Citizens Advice Bureau (external link) can help you with advice confidentially.


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