Borrowing and debt advice

Wonga is here to help with occasional cash flow problems - when you need a short-term cash advance to tide you over for a few days or weeks - but our service shouldn't be used to manage existing debt or as a regular source of ongoing credit. If you're already feeling the strain financially, please be aware that a Wonga loan will only add to your commitments because it must be repaid within a month. Always think carefully before commiting to any form of credit and, if in doubt, seek advice before making any decisions.

While there’s no magic answer for everyone, we've provided some quick advice on borrowing, plus tips on managing and escaping debt on this page. Simply select and browse the relevant sections using the links above. A quick internet search will also find many more sources of advice, such as the personal finance sections of most national newspapers' websites.

If you prefer, you can download our free Quick Guide to Borrowing, by clicking on the button below. All the advice in there is taken from our Smart Guide to Borrowing, which is packed full of even more advice and tips and can be purchased for just £1.