Read our student credit card guide to swot up before you decide if they’re the right path for you

Read our student credit card guide to swot up before you decide if they’re the right path for you

Get a 0% credit card

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There are credit cards out there that allow you to borrow money at 0% for up to 24 months (if not longer).

If you’re quite confident that your money troubles are relatively short term and that you’ll be able to make repayments before the 18 months is up, then this is a much better option than a payday loan.

Join a credit union

Traditionally the members of the union live in the same area, perhaps attending the same church or working in a certain industry, but nowadays communities tend to be a lot broader.

The idea is that by cutting out commercial money-lenders, money is kept within the financial community. This keeps rates low and allows those who would normally struggle to get accepted for bank loans to gain access to the support they need.“Read our student credit card guide to swot up before you decide if they’re the right path for you”