Worried about money?
Money worries can affect anyone, at any time. These free, independent organisations can help with debt, benefits and budgeting. If you have a loan or savings with us, you can talk to us too.
If you are struggling to cope, Samaritans are there to listen, day or night. Call free on 116 123 or visit samaritans.org (opens in a new tab).
Free, independent help.
You never have to pay for debt advice. These organisations are free to use and independent of us.
Debt advice
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Debt advice locatorMoneyHelper
Find a free debt adviser near you, online or over the phone.
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Citizens Advice Scotland
Guidance on debt, budgeting, mortgage problems, benefits and more.
Benefits, bills and budgeting
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Universal Credit supportMoneyHelper
Guidance if you are on Universal Credit, or about to claim it.
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Cost of living supportmygov.scot
Check what help you could get with energy, bills, benefits and more.
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Budget plannerMoneyHelper
See where your money goes and take control of your household spending.
These organisations are independent of Capital Credit Union. We are not responsible for their websites or the advice they give.
Talking to us about your account.
If you are finding it hard to keep up with repayments, please do not wait. Reaching out early gives us the best chance to help. We will talk to you about your situation and see how we can help.
Opening hours and other ways to get in touch-
Reach out
Message us securely or give us a call, and tell us what is going on in your own words.
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We listen
We talk it through sensitively and work out what you can realistically afford right now.
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We agree a plan
Together we find a way forward, and set a review date you are comfortable with.