Debt and Borrowing Debt and Borrowing

West Sussex Credit Union

A not for profit organisation aiming to reduce financial exclusion within the county. Supported by West Sussex County Council.

  • Offering ethical loans to those who would not get them elsewhere or who would be forced into the hands of the very high cost lenders, and by encouraging saving.
  • Free membership-open to all who work or live in the county, and a member does not need to have saved with them prior to applying for a loan.
  • Always considering affordability before agreeing a loan. Will not offer a loan that will worsen the member's position.
  • Fully regulated by the relevant government agencies, and members savings are covered by the Financial Services Compensation Scheme.

Examples of loan types:

  •  Loans up to around £1,500, often to cover short term issues/emergencies. 
  •  Loans up to £10K for personal use. E.G, home improvement, car maintenance/replacement, white goods etc.
  • Loans up to £10K for consolidation of other high cost loans. 

Savings Schemes

  • A number of savings schemes, ranging from members who save a few pounds a week, to Xmas savers, to ethical savers who can deposit up to £25K in order to provide loan capital to help those in need.
  • Save as You Earn schemes (payroll deduction into a savings account) with all the local authorities, parts of the NHS and some private sector organisations. 

Address:129 Montague Street, Worthing, West Sussex, BN11 3BP
Telephone: 01903 237221
E mail:
Visit Website here


The Money Advice Service

Free & impartial money advice, set up by government offering:

  • Advice and guides to help improve your finances
  • Tools and calculators to help you keep track and plan ahead
  • Support in person, over the phone and online

Debt and borrowing advice includes:

  • Before you borrow
  • Taking control of debt
  • Mortgage and rent problems
  • Help with loans
  • Credit cards and credit ratings

Telephone: 0300 500 5000
Webchat: Available 
Visit Website here


National Debtline

A free, independent and confidential debt advice service run by the charity Money Advice Trust. 

On this site you’ll find all you need to get started including guides, fact sheets, budget tools, sample letters to help you write to your creditors, and an option to email  your questions.

You can also reach them by phone and their experts will talk you through your options and give you clear advice on how to move forward.

Telephone: 0808 808 4000
Webchat: Available 
Email: here
Visit Website here