Debt Support & Mental Health Disclaimer

We recognise that money worries and debt can have a real impact on mental health and wellbeing, and that some readers arrive at this site during a genuinely difficult time. This page sets out our approach and points you toward free, confidential, professional support.

Our approach

Lowest Rate Loans provides general, educational information about UK borrowing products. We are not trained debt advisers, counsellors or mental health professionals, and nothing on this site is a substitute for personalised advice from a qualified debt adviser or a conversation with a healthcare professional if you're struggling.

If you're struggling with debt

If you're finding it difficult to keep up with payments, or debt is weighing heavily on you, please know that free, confidential, non-judgmental help is available from UK debt charities, including:

  • StepChange — a leading UK debt charity offering free debt advice and solutions, including debt management plans
  • National Debtline — free, independent debt advice by phone and online

These organisations are independent charities, not lenders, and their advice is entirely free. Reaching out is a sign of taking control, not a failure — their advisers speak with people in every kind of financial situation, every day.

If you're experiencing financial hardship affecting your wellbeing

If money worries are affecting your mental health, please also consider speaking to your GP, or contacting a mental health support service. If you are in crisis or need urgent support, please contact emergency services or the Samaritans (116 123, free, 24/7) for confidential support.

Illegal money lending

If you believe you have borrowed from, or are being pressured by, an illegal money lender, you can report this confidentially to the Illegal Money Lending Team (England: 0300 555 2222). See our full guide on how to spot and avoid predatory lenders.

Our content and this topic

Throughout our guides, particularly those relating to debt, bad credit and secured borrowing, we link to these free support resources wherever relevant. We do this because we believe honest, independent information about UK borrowing should always include a clear path to free help when it's needed — not just product information. If you're weighing up your options, our guides on bad credit borrowing in the UK and using a debt consolidation loan sensibly may also help you think through the alternatives before you borrow further.