Burnley Savings and Loans Know
DEBTS CAN WEIGH YOU DOWN
BUT YOu Don't HAVE TO STRUGGLE AlONE

Money Worries Don’t Make You a Bad Person – They Just Mean You Might Need a Bit of Help

Let’s be honest – debt problems can happen to anyone. A lost job, rising bills, a family emergency… It doesn’t take much to knock things off balance. And once it starts piling up, it can feel impossible to get back in control. But you’re not on your own – and you don’t have to figure it out by yourself.

Apply Now
Debt’s Not Just About Money – It’s About Life, Stress, and Sleepless Nights

Let’s be honest – nobody wakes up one day and says, Y’know what I fancy? A bit of debt stress.” But it creeps up. A missed payment here, a bit of borrowing there, and before you know it, you’re robbin’ Peter to pay Paul and dodging the post like it’s haunted.

We’ve seen it up close. And we know how heavy it can feel. Debt doesn’t just mess with your bank account – it messes with your head, your health, your relationships, everything.

But here’s the good news: there’s help out there – and it’s free, proper, and actually helpful.

Where to Get Proper Help

There are brilliant charities and organisations out there that specialise in helping people deal with debt. They won’t judge, they won’t charge, and they’ll work with you to find a plan that makes sense.


Here are some trusted places to start:


StepChange Debt Charity

Free, confidential help with debt management, budgeting, and setting up affordable repayments.

Citizens Advice

Local help with debt, benefits, housing, and legal advice – in person or online.

MoneyHelper

Backed by the government – full of tools, calculators, and plain-English guidance.

National Debtline

Freephone helpline and webchat with trained debt advisers.

Christians Against Poverty (CAP)

Face-to-face support and long-term help through local centres.


Why It’s So Important to Get Independent, Free Advice

Not all debt advice is created equal. Some companies will try to charge you fees or push you into solutions that don’t actually help.


That’s why it’s vital to get your advice from proper, regulated organisations that are there to help – not to make money off your situation.


StepChange put it perfectly:


Debt won’t go away on its own – but with the right support, it can be managed.

If you’re facing debt problems, don’t wait. The sooner you get support, the more options you’ll have – and the less stressful it will feel.


These services are confidential, free, and focused on you. No pressure. No sales.





Not all debt advice is created equal. Some companies will try to charge you fees or push you into solutions that don’t actually help.


That’s why it’s vital to get your advice from proper, regulated organisations that are there to help – not to make money off your situation.


StepChange put it perfectly:


Debt won’t go away on its own – but with the right support, it can be managed.

If you’re facing debt problems, don’t wait. The sooner you get support, the more options you’ll have – and the less stressful it will feel.


These services are confidential, free, and focused on you. No pressure. No sales.





Debt CONSOLIDATION
Sometimes One Loan Can Be Easier Than Five
But It’s Not Always the Right Answer

If you’re juggling lots of different debts – credit cards, overdrafts, store cards, payday loans – it can feel like you’re spinning plates, and the interest just keeps piling up.


Debt consolidation means rolling some (or all) of those debts into one loan – usually with one monthly payment and one interest rate. Done properly, it can help simplify things and even reduce your repayments.


But – and this is important – it’s not the right choice for everyone.

If you’re juggling lots of different debts – credit cards, overdrafts, store cards, payday loans – it can feel like you’re spinning plates, and the interest just keeps piling up.


Debt consolidation means rolling some (or all) of those debts into one loan – usually with one monthly payment and one interest rate. Done properly, it can help simplify things and even reduce your repayments.


But – and this is important – it’s not the right choice for everyone.

Think Carefully Before You Consolidate

Consolidating debt can sometimes reduce your interest or make payments more manageable – but it can also:


Cost more in the long run if the repayment period is longer

Move you from unsecured to secured debt (which puts your home at risk)

Give a false sense of “starting over” if you’re not tackling the underlying issues

Close the door to better alternatives you haven’t yet explored



That’s why we always say: before taking out any new borrowing, talk to a free, independent debt adviser.

They’ll help you look at the full picture – not just the monthly payment.


See our Debt Help section for trusted organisations like StepChange, Citizens Advice, and MoneyHelper.

IF YOU DECIDE DEBT CONSOLIDATION IS FOR YOU
OUR PARTNERS MAY BE ABLE TO HELP

If debt consolidation is the right path for you – and you’ve taken proper advice – we work with trusted partners who may be able to help:


Fairlo Offers fair, flexible unsecured loans that can be used for debt consolidation. Simple terms, clear pricing, no hidden nasties.


Kenyon Mortgages – Helps homeowners explore remortgaging or secured loans to consolidate debts into a single payment. They’ll give you a full overview of costs and risks before you commit.


Both of these firms are regulated and work hard to treat customers fairly – but only go ahead once you’re sure it’s right for you.

Get Fairer Finance Today &
Help Us To Give More By Applying Below

Get Fairer Finance Today &
Help Us To Give More By Applying Below

LATEST NEWS

LATEST NEWS
LATEST NEWS
No products found.

Get Fairer Finance Today &
Help Us To Give More By Applying Below

Get Fairer Finance Today &
Help Us To Give More By Applying Below

Our Story

When the big banks turned their backs on hard-working people after the financial crisis, Dave Fishwick decided to do something about it . In 2011 he founded Burnley Savings and Loans with one radical idea at its heart: finance should be fair for everyone, and every penny of profit should go to good causes . He proved that a bank could lend to local people on decent, common-sense terms and still make a positive difference in the community .

What do we mean by “fair” finance? For Dave, fair finance means always putting people before profit. It means we work with a range of partner lenders to find you the best deal we can – if one of them can offer a better rate or a more suitable loan than we can, we’ll make sure you get that option . It also means doing everything we can to help more folks get approved for loans that are affordable and responsible, rather than leaving people with nowhere to turn. And “fair” isn’t just a slogan – it’s a promise that we give back to the community. We don’t pocket the profits ourselves; every pound we earn is donated to local charities and good causes to help others . In short, Dave’s approach is about doing what’s right for you, the customer, every single time.

Since then, this fair approach to finance has helped thousands of people across the UK, showing that banking can put people first. Dave’s mission has even inspired the Netflix “Bank of Dave” films and sparked a growing movement of ethical lenders fighting for real change in the financial world . As Dave himself puts it, we have a duty to act in the very best interests of our customers at all times – proving that finance can be fair, and that when you “Bank on Dave,” you’re banking on something better for everyone.

When the big banks turned their backs on hard-working people after the financial crisis, Dave Fishwick decided to do something about it . In 2011 he founded Burnley Savings and Loans with one radical idea at its heart: finance should be fair for everyone, and every penny of profit should go to good causes . He proved that a bank could lend to local people on decent, common-sense terms and still make a positive difference in the community .

What do we mean by “fair” finance? For Dave, fair finance means always putting people before profit. It means we work with a range of partner lenders to find you the best deal we can – if one of them can offer a better rate or a more suitable loan than we can, we’ll make sure you get that option . It also means doing everything we can to help more folks get approved for loans that are affordable and responsible, rather than leaving people with nowhere to turn. And “fair” isn’t just a slogan – it’s a promise that we give back to the community. We don’t pocket the profits ourselves; every pound we earn is donated to local charities and good causes to help others . In short, Dave’s approach is about doing what’s right for you, the customer, every single time.

Since then, this fair approach to finance has helped thousands of people across the UK, showing that banking can put people first. Dave’s mission has even inspired the Netflix “Bank of Dave” films and sparked a growing movement of ethical lenders fighting for real change in the financial world . As Dave himself puts it, we have a duty to act in the very best interests of our customers at all times – proving that finance can be fair, and that when you “Bank on Dave,” you’re banking on something better for everyone.

0+

Years fighting for you

0+

Years fighting for you

0+

Years fighting for you

0+

Million in affordable loans

0+

Million in affordable loans

0+

Million in affordable loans

0+

Businesses helped

0+

Businesses helped

0+

Businesses helped

0+

Good causes supported

0+

Good causes supported

0+

Good causes supported

Get Fairer Finance Today &

Help Us To Give More By Applying Below

Get Fairer Finance Today &

Help Us To Give More By Applying Below

Why We Do This
WHERE OUR PROFITS GO

Why We Do This
WHERE OUR PROFITS GO

I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.

Margaret Ward

I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.

Margaret Ward

I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.

Margaret Ward

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762