March 22, 2021

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Don’t let high loan interest rates or a shark loan leave you and your loved ones in debt for years to come.

Easter is a time of the year where loan sharks make an appearance again. We want you to stop, think and look for advice when it comes to borrowing money.

Before you take out a loan, ask yourself ‘do I really need to?’ If the answer is yes, make sure you understand the APR (annual percentage rate) and what that loan is going to cost you. It might sound great at first, but a high APR could mean you will end up paying back a lot more than you borrowed and leave you and your family in debt for years to come.

If after checking all your options, you still need a loan, make sure you research to find the best option available to you.


Please, think – there’s always a better option than a loan shark.


Loan sharks are illegal lenders who often target low income and desperate families. They might seem friendly at first but borrowing from them is never a good idea – even if you feel you have no other options.

  • You pay far more in interest than you would through any legal borrowing.
  • You might be harassed or threatened if you fall behind with your repayments – there have been reports of people being intimidated or attacked.
  • You might be pressured into borrowing more money to repay one loan with another and end up in a spiral of debt that you can never repay.


We’re here to help – we can help you get your finances back on track and access the advice that you need. So, start small and give us a call today on 0151 290 7000, freephone: 0800 561 0007 .