If feel you need to borrow money try a safe place such as the Credit Union. Your local Credit Union is a cooperative organisation that specialises in savings and loans from as little as £100.
If you live in Cardiff or the Vale please contact The Cardiff and Vale Credit Union:
Cardiff CF10 4UW
029 2087 2373
Dragon Savers Credit Union covers the Rhondda Cynon Taff area. Their contact details are:
107 Bute Street
Treorchy CF42 6AU
If you live in Neath contact the Neath Port Talbot Credit Union:
26 Windsor Rd
Neath SA11 1LU
Hafren Credit Union which covers the Newtown area has now merged with North Wales Credit union to create Cambrian Savings and Loans, you can contact them here:
20 Broad Street,
Do not consider borrowing money privately. You will likely end up paying out much more than you originally borrowed. A time may come when you are unable to make a repayment and you could find yourself, or your family, being threatened with violence. If you're worried about a money lender in your area, or being threatened by a money lender, you can report them to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on 0300 123 33 11.