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The Guardian - Back to homeThe Guardian

Credit unions

February 2024

  • A sign for a credit union on the side of a building in Salford

    UK’s credit unions face uncertain future amid cost of living crisis

    The small cooperatives have found themselves at a crossroads, with concerns over governance and consolidation threats

April 2023

  • A woman puts a dollar bill into a piggy bank, circa 1950s. According to the experts, everyone should have at least three months’ net pay saved for an emergency.

    The good advice guide
    I need £2,000 now! How to find the money for an unexpected disaster

    If you don’t have savings, there are still ways to see yourself through a rough patch says R4’s MoneyBox presenter

February 2023

  • My family poses on a ferry in 2003.

    My family came to the US to start a new life. An obscure credit score held us back

    Kai Ngu
    A Fico score determines your financial future in America. But for new immigrants, getting one can be nearly impossible

August 2022

  • Overdue bills with calculator and laptop

    Where will struggling households turn to after UK clampdown on payday lenders?

    Market once dominated by Wonga has halved but some industry figures say there could be role for more tightly regulated sector

June 2022

  • Someone worries about due bills while sitting on a sofa. A large pile of invoices are on a coffee table in front of them.

    Interest-free loan scheme expanded to reach up to 20,000 Britons

    From September measure to help financially vulnerable will be rolled out further after successful trial

March 2022

  • Depressed woman overwhelmed with financial issues, debt, bankruptcy.

    Violent loan sharks circle as UK families are pushed into debt

    Cost of living crisis is driving many into the grasp of illegal money lenders

February 2022

  • Some borrowers have been conned out of thousands of pounds.

    Covid: the global political impact
    Loan sharks at the school gates, nude photos as security: how desperate people fall into the debt trap

    Since the start of the pandemic, more than 11 million people have built up £25bn in arrears and debt. And illegal lenders are targeting those who can’t access mainstream credit

July 2019

  • Man holding wallet and £10 notes

    Expand credit unions as alternative to payday lenders, FCA urges

    Non-profit cooperatives should be encouraged to disrupt high-cost lenders, says regulator

November 2018

  • a man checks his washing machine

    New price cap plan to stop excessive rent-to-own fees

    Financial watchdog to cap credit charges and fees at 100% of cost of original product

October 2018

  • Inequality in Kensington and Chelsea<br>General view of the Holmefield House estate in North Kensington, London. The estate is in the Golborne Ward, which ranks as the most deprived ward in the capital. The borough of Kensington and Chelsea is one of the most polarised in Great Britain, with some of the most expensive real estate in the UK just a short walk from several of the most deprived wards in the country - including the area around the Grenfell Tower. Picture date: Tuesday July 11th, 2017. Photo credit should read: Matt Crossick/ EMPICS Entertainment.

    Credit union in wealthy London borough collapses

    Kensington and Chelsea firm had sought investments from wealthy residents

September 2018

  • Stella Creasy

    Yes, Wonga has gone, but the money sharks still circle

    Stella Creasy
    The campaigner against payday lending says the fight is not yet over

August 2018

  • Former Dragons' Den star Theo Paphitis

    Credit unions on the rise as membership passes 2 million

  • Teenage kids hanging around Sutton Hill Telford Shropshire in September 1978

    Telford at 50: Could new towns offer a fresh start to millennials today?

June 2017

  • Payday loan customers<br>File photo dated 23/01/09 of loans advertised in a shop window, as the proportion of payday loan customers being hit with extra charges on their debt has fallen since a clampdown was launched, research commissioned by members of the industry suggests. PRESS ASSOCIATION Photo. Issue date: Tuesday November 29, 2016. The Consumer Finance Association (CFA), which represents short-term lenders, commissioned the report into how payday loan customers have been affected by stricter rules for payday lenders. See PA story MONEY Payday. Photo credit should read: John Giles/PA Wire

    Many Britons are hooked on costly credit. Here’s what the new minister should do

    Rowena Young
    The Tories have appointed Guy Opperman to oversee financial inclusion. But what indebted Britons really need is access to more responsible lenders

May 2017

  • Shoppers pass a John Lewis store

    John Lewis-backed credit union bids to fend off payday lenders

    Debenhams, New Look and former Dragons’ Den star Theo Paphitis among backers of retailCURe union offering loans and savings products to shop staff

January 2017

  • Wind turbines in front of coal-fired power plant cooling towers emitting steam steam

    Can credit unions finally provide a truly ethical current account?

    The Engage account is for those who want their money to be used to do good. Plus, we look at the alternatives

March 2016

  • A man worrying over his household bills

    Tackling financial exclusion
    The vital role of credit unions in providing access to low-cost finance

    With millions of Britons excluded from mainstream finance, credit unions can help. So what can be done to support the sector?

January 2016

  • Public leaders network board composite picture

    Welcome to our 2016 Guardian Public Leaders editorial board

    Meet the nine UK public leaders who will help us tackle the most important issues in the next 12 months

November 2015

  • A woman counting money, cash, £20, twenty pound notes

    Tackling financial exclusion
    What are credit unions and how can they beat payday lenders?

    Credit unions offer affordable loans to low-paid local people. They may not have the advertising capacity of lenders like Wonga, but it’s a growing movement

October 2015

  • Man walking past ATM machines

    Tackling financial exclusion
    Housing associations are seeing tenants move from exclusion to real poverty

    Welfare reform and mounting cuts have made it more difficult for the social housing sector to help tenants in financial crisis
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