You can apply to borrow from a Credit Union. Credit Unions offer loans at much more affordable rates than doorstep lenders. Some also offer free banking.

They can also offer savings accounts. Customers who save can borrow at a much lower rate - 26.4% APR for non-members with no savings, compared to 12.7% APR for members with savings.

Credit Unions in Cornwall:-

Cornish Community Banking – Tel: 0800 0556873 or 01872 222644

Website: www.cornishcommunitybanking.co.uk

Kerrier & Fal Credit Union – Tel: 01209 314449

Website: www.kfcu.org.uk